23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington Mortgage Services ( CMS ) XXXX XXXX MXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Authorization was faxed on XX/XX/19. 

I spoke to a rep from CMS today and I was told they will not do anything with our authorization until 30 days have passed. They will, however, speak to the listing agent even though the listing agent has not submitted an authorization. 

When I pressed it further, the assigned SPOC XXXX XXXX got belligerent and wanted to know why we were hired. I told him likely because the borrower doesn't know what to do and the listing agent requested our assistance so that they could work as a listing agent and not a short sale negotiator. He then said well that's what the listing agent gets paid for and was belligerent until I asked twice if he intended to prevent the borrower from their legally protected right of professional representation. ********* He does not need to know why the borrower hired us or authorized us to work the short sale, all he needs to know is that they did, and he needs to adhere to the authorization signed by the borrower. 

Since we have this problem on EVERY SINGLE SHORT SALE WE OPEN WITH CMS -- -- IT IS OBVIOUS THEIR COMPANY POLICY IS TO OBSTRUCT THE BORROWERS RIGHTS TO THE SHORT SALE PROCESS AND IGNORE THE EXPRESSED WRITTEN INSTRUCTION FROM THEIR OWN BORROWER. 

************This is a directed effort to keep us from working on the short sale. 

Attached is our authorization signed by the borrower. I expect this to be applied to the account immediately and for CMS to comply with this written instruction from the borrower. We want this file re-assigned to a different SPOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

We contacted TransUnion Credit Reporting Agency about a week ago we did call for a date but the customer service would not give us the call date. The complaint is XXXX XXXX credit score was about 735, then it dropped 25 points. XXXX called TransUnion to ask why his score had dropped XXXX points they said it was due to a old negative mark from XX/XX/2011. The negative mark as been on his record sinceXX/XX/XXXX and is the only negative mark on his record and is due to come off XXXX of this year. They admitted he had good payments and other negative marks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Credit reporting or other personal consumer reports

These matters involves credit cards companies. I was involved in a credit breach. My personal information was exposed online, and has affected my report. The names of the companies on my credit report are Home Depot- amount for XXXX. This company has sold my information to another company regarding this account, and I did not give them permission to do so. The law 15USC1681 states that I have the right to privacy. The same situation occurred with XXXX XXXX in the amount of XXXX, XXXX XXXX in the amount of XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im requesting that all late payments, and negative comments be removed from these accounts.
Product: Debt collection

please see the attached documents.. 
i send my 1st letter explainted, i was victim fo dta breahc and because of that i was victim of identity theft i have to many acocunt opend under my name.. i make in my dispute letter clear what was the account in mention..
Product: Vehicle loan or lease

On XX/XX/2017 we received a end of lease statement stating remaining balance of XXXX. The statement says we owe XXXX for unsatisfied contract obligation plus tax of XXXX. Excessive wear and use XXXX plus tax of XXXX. Disposition fee of XXXX plus tax of XXXX. I called Nissan Motor Acceptance and asked them to explain the statement. XXXX explained and was very nice.I agreed to pay the unsatisfied contract obligation total of XXXX and the disposition fee total of XXXXThat totaled XXXX. I told her I would not be paying for the Excess wear and use total of XXXX cause there was no broken bumper when we dropped it off. When we dropped it off I asked for Inspection and was told that would n't be a problem everything looked great. We also took upon ourselves to check it over and was like brand new. We even got the car cleaned inside and out just cause we thought that would be the right thing to do.When I told XXXX I was n't going to pay it she said she would lower the price to XXXX. I that I would pay the for everything else except the wear cause we both knew they were trying to scam us. I received a follow up statement on the XX/XX/XXXX and they lowered the excessive wear to XXXX. I called again and spoke to XXXX and told her that I would n't be paying that part of bill. She said If we do n't pay it they will put in collections. On XX/XX/XXXX I received another statement for XXXX the balance of unpaid. I payed for everything else at this point. I then called and asked for a Vehicle condition report and proof of broken bumper that was never broken nor never was by us.I received one on XX/XX/2017. I stated that the car had scratched paint, cracked windshield, dents, chips etc etc.No bumper was listed at all. It then stated we turned in a XXXX XXXX XXXX XXXX, but we leased a XXXX XXXX XXXX car? We called again and they claimed the inspected the car on XX/XX/XXXX which would be 2 weeks after we returned the car onXX/XX/XXXX? It also had the amount of XXXX we owed for the bumper that was n't broken. Like I said I payed everything that was owed to them but now the put me in collections for XXXX and wasted my valuable time let alone endless headaches. I have exceptional credit and do n't need it to be bruised by any false information because of a company that messed up in so many ways. Please let me know what further action should i take with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Debt collection

This is not my account and they are contacting me by email CUSTOMER ID : XXXX CASE FILE # : XXXX XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICES This is to inform you that Legal Proceedings has been issued on your Docket Number XXXX - XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 
You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 
Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 
Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 
WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 
TERMS & CONDITIONS YOU AGREED. 
If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX XXXX  to XXXX XXXX ( EST ). 

In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 
Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Terms of use | Privacy Statement
Product: Credit reporting or other personal consumer reports

( now I am really XXXX off. After sitting on hold for an hour and a half their XXXX bot just came back, said my phone number instead of its ridiculous message prompt to press XXXX, and then disconnected the call. ) The last several times I've tried to log into TransUnion, it has immediately gone to a verification screen that asks me my social security number, address, and name and prompts me to create a new password. 
I enter those things, then the next screen says " since we had trouble verifying who you are we can not show you your credit profile. Call this number. '' I've called the number every day for the last week while gathering information for my attorney, I've sat on hold for a total of XXXX hours, spoke to XXXX person, that XXXX person seemed upset, then reset my password to some generic one and said to log in and change it. That didn't work, then I was disconnected. I did not keep that password since we were changing it. So I don't have the password they created before hanging up on me, they can't let me reset my password because they somehow report all of my credit and financial, and background, addresses, phone numbers, aliases that have stolen my identity and show up, theyanage all of these things but can't verify that my SSN, address, and name belong to my name. 

This is why I'm gathering the info as I mentioned earlier. 
I've now been on hold for an hour and XXXX minutes pressing XXXX at this machine that really wants to hang up on me if I don't press XXXX every XXXX or XXXX seconds, just to gain access to my own credit report.i want everything that they have reported, that I have disputed as wrong to be cleared immediately, as they clearly are not organized enough to know what is and isn't real. 

Now I found the password in my phone, logged in with it, was kicked out, tried again with the same info, and was told it is the wrong password. It auto filled so it definitely was the same. They don't allow screenshots when they XXXX up apparently. Only the entire rest of their app which is a huge XXXX up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX Opened XX/XX/2017 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX XXXX  Type of Business : - Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Debt collection

I received notice of a collection from Fair Collections & Outsourcing! By law I had 30 days from time of receiving to request the debt be validated. I responded with a debt verification letter sent certified mail to Fair Collections and Outsourcing. 

By law they are required to send me a validation notice or respond to my verification request. 

They have not done so but instead sent me a threatening letter stating the following ... 

" Your account has already been reported by our office or is scheduled by our office to be reported by our office to one or all of the following national credit reporting bureaus : XXXX  Credit Information services,  XXXX Credit Information Service or XXXX. '' I know for a fact this debt is not valid and my verification request has gone unanswered because they to know it is not valid. 

There refusal to to send a validation notice is a clear violation of the collection practices act.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Way2Go Program card services are stealing money off of cards that the state of Alabama uses for child support. I have had {$2100.00} stolen from me in XXXX and have done everything the company told me to do to get my money back and have had no luck. Now the advocacy department will not return my messages. A lady left a voicemail but when I contact the number provided, you can not get a live representative on the phone, you can only leave a voicemail. They will not return my calls but sent me an email stating that they could not get in contact with me. This company is stealing money off of a lot of cards here in the state of Alabama and something needs to be done.
Product: Debt collection

I 've never enrolled or paid for services with a Company by the name of XXXX XXXX. All of a sudden there was a collection account on my credit report stating that XXXX XXXX, XXXX I opened up an account with them and then never paid. They 're saying I owe them {$63.00}. I 've tried to contact them and let them know I 've never been a customer or ordered service with them and I have never received any mail correspondence stating that I was a customer and that I had a balance. I have n't received any help from the company or received in anything written in the mail showing that I signed up for service and had a bill. I 've also had an issue with identity theft in the past and went to court with the credit bureaus to rectify the errors. Everything was cleared up in court and it says on my credit report XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have n't applied for anything since then so I do n't know how this could even be possible to be my account. Not only that, but I would have paid {$63.00} if it was owed. So this is why I 'm contacting the cfpb for help.
Product: Debt collection

On XX/XX/2020 capital accounts contacted me at XXXX XXXX. I spoke to a representative about a debt they were trying to collect that I was unfamiliar with from my primary care physician. I asked the representative if I could pay it online, as I had not had a chance to investigate this claim. She gave me the website, and explained the process of expunging the debt from the credit bureaus. The conversation was polite and informative. The call lasted 3 minutes and 57seconds. 

Today, XX/XX/2020 I received 3 phone calls in less than one hour from Capital Accounts the first at XXXX XXXX, second at XXXX XXXX, and the third at XXXX. The third phone call I stepped away from work to answer and informed them that they have called three times now this morning and I am at work in a hospital and asked that all further communication must be done through mail. The woman who was on the other end of the line when I answered the phone also shouted my name at me. She was very inappropriate. 

I think this repeated calling after I already spoke to a representative is harassment. I work in a community hospital in XXXX TX as a XXXX  XXXX. I'm not sure if Capital Accounts is aware, but we are almost a year into a global viral respiratory pandemic and thousands of people are XXXX a day ... as a XXXX  XXXX my time at work should be committed to my patients, NOT a bill collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. Equifax letter of dispute for acct # XXXX, XXXX, XXXX. XXXX  acct # XXXX, XXXX acct # XXXX. All have failed to comply in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX XX/XX/2020 XXXX, I learned that Chase bank proceeded with a credit report pull despite me stating specifically to multiple representatives ( Including a XXXX whom is a supervisor ) to not pull my credit and NO to the reconsideration for my recently closed Chase card ending in XXXX. Chase informed me today that they mistakenly submitted an credit cad application for me XXXX XXXX XXXX XXXX and meant to do another person. They did this on purpose in my eyes and is against the fair credit reporting agency.
Product: Debt collection

This is a XXXX bill from at least 2 years ago. XXXX started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.
Product: Mortgage

I wish to complain about the harassment I'm being subjected to by New Day Financial LLC, XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. I have asked them repeatedly to stop sending me solicitations for refinance of my VA mortgage to no avail. On XX/XX/2021, and on XX/XX/2021, I requested via their web site ( https : //www.newdayusa.com/contact ) they stop sending me correspondence. Today, XX/XX/2021, I received yet another solicitation from them. I request your assistance in stopping this harassment.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite my previous XXXX attempts to rectify these inaccuracies, the fraudulent entries persist, significantly impacting my creditworthiness. This letter serves as my third formal request for the removal of these erroneous entries. Despite these efforts, these fraudulent items remain on my credit report, causing undue harm to my credit profile and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items on my credit report not only violates the FCRA but also undermines my ability to access credit, secure loans, and make important financial decisions. I urge you to treat this matter with the urgency it deserves and provide a written response within the legally mandated XXXX timeframe, confirming the removal of the fraudulent items from my credit report. I appreciate your immediate attention and also for your help to this matter and your commitment to resolving it promptly. Please help me remove these items immediately : 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have identified items on my Experian credit report that is a result of identity theft. I filed an identity theft report identifying the information that is a result of identity theft. I have attached the identity theft report, appropriate proof of identity and proof of my address.