23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon receiving a settlement the debt was paid in 2008 about. Once the bill was paid I decided not to use credit card and last year I received a bill for {$7700.00} from Unifund CCR , LLC. I have contacted them to let them know I did not accrued this bill they have taking me to court. I requested a copy of the purchased items I need to know if someone has used my name to make these purchases. I do not wish to pay someone else bill please help me clear our name. 
I do not own credit cards by choice since 2008 due to my family and I spending our time in the hospital with our youngest daughter receiving XXXX. 
I contacted the first company that sent us this bill Pilot Receivables Management , LLC they told us they no longer own this bill that I needed to contact Distresses and Asset Portfolio IV, LLC. I contacted them they no longer had the bill and that Unifund CCR , LLC had it I am so tired I need someone to look into this matter. 
We desperately need this forged bill to be taking care of. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, Experian and XXXX XXXX credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.
Product: Credit reporting or other personal consumer reports

Transunion has continued to allow credit inquiries to remain on my credit bureau and I have made them aware both in writing online and over the phone and they have continued to report these inaccuracies even after being provided proof of identity theft has been presented
Product: Debt collection

I have disputed this dedt since 2020 with no results. I have disputed the account with XXXX only to be told that the information is accurate. I have further filed a complaint with the XXXX complaint number XXXX and the collection agency has yet to respond to my complaint
Product: Mortgage

Bank of America informed me that XXXX, XXXX was servicing my mortgage. I contacted XXXX and was told that Bank of America is still servicing the mortgage. I want to avoid foreclosure but have received multiple points of contact and do n't know who I should speak to. Please help.
Product: Payday loan

XXXX XXXX using Ace Cash Express Payday Loan name to try and collect money not owed to them. Contacted Ace cash express and I have no debt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX .... Balance {$4600.00} ; XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX Date of request XX/XX/XXXX.
Product: Mortgage

1. I have a USDA-guaranteed loan. 
2. I was in a COVID-19 forbearance from XX/XX/XXXX to XX/XX/XXXX. 
3. At the end of the forbearance, XXXXXXXX XXXXXXXX began evaluating me for a post-COVID-19 loan modification. 
4. Initially, XXXX did not follow the USDA handbook for XXXX loan modifications, and I received legal assistance from XXXX XXXX at the North Carolina XXXX XXXX. * After several months of communications with XXXX, Mr. XXXX was able to resolve the issue with XXXX. 
5. On XX/XX/XXXX, I executed a USDA loan modification agreement. The agreement was executed on XX/XX/XXXX by XXXXXXXX XXXX and by XXXX on behalf of USDA. See the attached copy of the loan modification executed by all parties. 
6. The USDA loan modification agreement brought my loan current, lowered my monthly payment to {$700.00}, reduced by principal balance to {$110000.00}, and lowered my interest rate to 2.88 %. See page 7 of the attached PDF. 
7. Before I could make even one payment on the modified loan, XXXX XXXX transferred servicing of the loan to XXXX subserviced by Mr. Cooper. 
8. XXXX subserviced by Mr. Cooper does not appear to have any record of the loan modification. When I log in to my account, it claims my loan is owing back to XX/XX/XXXX. It claims I owe {$14000.00}, that my monthly payment amount is more than {$800.00}, and that my interest rate is 3.5 %. 
9. My first payment to XXXXMr. Cooper is supposed to be due on XX/XX/XXXX, but XXXXMr. Cooper is incorrectly stating that I owe more than {$14000.00}, and has not returned my calls or emails to get to the bottom of their error. 
10. I am requesting CFPBs help in sorting out this problem. Please contact my attorney as listed below : XXXX XXXX Senior Attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX N.C. XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I respectfully ask your organization to consider my points, given your personal and company wide obligation to provide a fair and reasonable investigation into the complaint. 

The details of my complaint are shown in the attachment. 

I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. 


XXXX XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern, XXXX. XXXX XXXX has confirmed that the amount of XXXX XXXX was transferred to my account on XX/XX/XXXX. Unfortunately, it has been almost XXXX weeks since the money were wired but I still didn't receive any money yet. Previously, last year, I had the same issue with BOA and I waited for almost a year to get my money to my account. Thank you
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Student loan

I have called Navient several times to get on income based payments and they said that I did not qualify for income based and I could do a forbearance to assist during my hardship. I have been paying on my loan for 2 years and have n't paid hardly any on the principal of the loan. I need help to resolve this, I ca n't continue to make these payments.
Product: Credit reporting or other personal consumer reports

I called Experian and explain that I was a victim of identity theft and had my information in XXXX plus data breach including Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I ask for different spelling of my name to be remover and names that wasnt mine or even similar provided proof of my identity and the agent jut went in and updated my current information and attached it with the incorrect information
Product: Debt collection

Back in XX/XX/2023, I started getting bills for lab work that I never had and listed under an old legal name of mine. XXXX XXXX XXXX ( XXXX ) is the the payee ( based in NY - XXXX XXXX XXXX, XXXX, NY ) and has been barraging me with bills and notices ever since. ( I live in South Carolina and have never been to NY to receive lab work and/or any medical care - EVER. ) I have called XXXX XXXX XXXX repeatedly, as well as called the doctor listed on the bill ( who allegedly ordered the lXXXX XXXX ). The doctor 's office acknowledged that I wasn't a patient of theirs - the doctor listed on the bills is XXXX XXXX XXXX ( XXXX ). Furthermore, even a representative I spoke with a XXXX XXXX XXXX indicated that the patient 's DOB they had on file was for someone born in the early XXXX ( not when I was born ). Almost a year later and after hours of making unsuccessful phone calls, this account has been moved to a debt collection agency and they are now sending me collection notices. I called this debt collection agency to let them know that the bill is not mine. The debt collector is C. Tech Collections - XXXX. Can you help me???
Product: Mortgage

I will attempt to make this short and sweet. I am downsizing and I notice that my Comps are approximately XXXX mil to XXXX mil in XXXX, MD for my current home. The comps are no where near the estimated XXXX mil cost of my home brought in 2008 despite excellent and upgraded condition. I know when I mortgaged my home, I was compared to several homes of equal value or more, i.e. ( comps ). However, upon reviewing the original Comp appraiser documents this week, I was told by several realtors currently I cant use the water front properties as comps although that was the case that my bank, Suntrust, used to qualify me for a XXXXmil loan in 2008. The homes in XXXX have not decreased by 25 %, so why has my home done so. I found out I was overcharged using False Comps ( waterfront ). Im trying to sell my home to downsize, moving with my job. I cant do it without coming up with MORE money. Unfairly, fraudulently treated.
Product: Debt collection

IQ Data continues to call regarding a debt that is in a legal dispute. They also placed the debt on my credit as a collection even though they are aware the amount and matter is a legal matter.. They continue to call me after I advised them this is a legal issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX XXXX over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!!
Product: Debt collection

LVNV Funding LLC C/ O Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Debit Validation Request- To whom it may concern : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action of that I owe this debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money. From me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Pursuant to to the Fair Debit Collection Practices Act ( FDCPA ), 15 U. S. C. 1692, I am requesting that you provide me with the following information to validate this debt.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account to prove that the amount you wish to collect is correct. 


Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I haven't received a response yet. I feel like my disputes are being ignored and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days, so the items should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY CREDIT IMMEDIATELY XXXX XXXX Status Open Balance {$210.00} Type Unknown Payment Status Late
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.
Product: Debt collection

On XX/XX/17 XXXX XXXX XXXX put a collection on my 3 credit bureaus amount of {$620.00} i have never had a XXXX account, and i ca n't proof them that this is not my account, i need help to remove this from my credit report.
Product: Checking or savings account

CiTi Bank just want to spy on customers. This new spying practice required to have nice phone that is able to do what CiTi Bank wants it to do. There is no way anymore to use ID and password to get into the account whenever and wherever you are. Now, need to be on the phone with CiTi Bank for hours and they already sent bunch of verifications code on my phone and still it required to get another code by dialing number 1 on dial pad that isn't working for me on my phone. CiTi Bank does not let me another option like email. No, they want what they want and not what I am comfortable with. They want to know where I am right now. They want to know my spot. This is criminal. They want to track my phone. I was hour after hour on the phone and still simply can not get my account number that I needed. The CiTi Bank assisting criminals who violate customer civil and constitutional rights. 
Whatever I complained about before did not get an appropriate investigation. Criminal net is growing against innocent victims. Criminals get covered up. If I got a problem with the phone I got a problem with Bank, like it was last year and at the beginning of this year. When my phone got dysfunctional and I was not able to get into my Bank account. I provided temporary phone number and now the CiTi created a problem by not changing my temporary phone number back to my permanent number. What kind of law allow them to spy on people and create obstacles? I am denying to have that double security on my account through the phone. 
When I am a customer saying that I have fraudulent charges billed to my debit card, they do not respect me they continue to respect fraudulent activity. This is what was happened to me that I have to complain about again to some different organisation because your business did not help. After I promised that I will complaint now they created one more obstacle for me. Now after I put my ID and password I have to put my debit card number and code. It is done to block customers from using their money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A section 2 ( It also states a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat an payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2023 NAME XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX CREDITOR NAME JP Morgan, Chase auto finance CREDITOR XXXX XXXX XXXX XXXX. Credit Bureau Disputes XXXX, LA XXXX Dear CREDITOR I I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I never gave you ( JP Morgan, Chase, auto finance, ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. ( JP Morgan, Chase auto finance ) has caused severe stress and anxiety due to the abusive and unfair practices. 
You ( JP Morgan, Chase auto finance. ) should be ashamed of yourself for assuming this role and position to constantly commit fraud and cause hard to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
ACCOUNT NAME - Acct # Chase Auto ACCOUNT Number- Acct # XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX. 
Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). 

XXXX. A personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of these hard inquiries, along with a copy of the consumer XXXX  credit report maintained by you, which highlights the fraudulent items mentioned above. 

I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$36000.00}
Product: Debt collection

Contacted company about removal of debt after debt was dismissed by the court and the creditor continued to report debt.
Product: Credit reporting or other personal consumer reports

My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, Experian, XXXX and XXXX. Remove following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off balance.
Product: Credit reporting or other personal consumer reports

I have noticed inaccuracies on my credit report that fall under 15 USC 16c-2. The information in question is incorrect and negatively affecting my credit score. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXBalance : {$17000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX : {$5300.00} ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a disputeXX/XX/20, and they received it XX/XX/20, it has been 46 days I have yet to hear anything back from them.