23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We are  trying to complete a short sale under federal regulations that involve multiple collections. PNC is the 2nd Mo rtgage and will not liquidate under federal guidelines and therefore, will be force placing a Foreclosure Sale Date scheduled for  XXXX   XXXX ,  2017  in the  XXXX   XXXX   XXXX . By Force placing this Foreclosure, PNC will be cutting off settlement agreements and short payoffs already negotiated with  the 1st  Mortgage  XXXX ,  XXXX   XXXX  and  XXXX   XXXX   Revenue Departments and the Federal IRS. PNC is subordinate to all these lien holders ( last in line ) is not providing any appeal resolutions nor liquidation options available under the federal liquidation guidelines. We are only requesting a short pay resolution to allow this property to convey and pay all other lien holders their already agreed settlement amounts. PNC can reserve their right for future collection and hold us liable for this debt after conveyance. The First Mortgage, Local Property Tax Collector and the IRS all trump this collection and under federal guidelines can limit the options and payo  uts to PNC ( last in line ). PNC is demanding more than required under their Federal Liquidation guidelines. PNC is subordinate to all these other collections and must release the lien from " property only '' to continue their collection efforts for this debt with us directly. PNC has admitted  they have already " charged off '' the loan and under federal guidelines we are requesting, in lieu of a force placed foreclosure, for them to release from " property only '' which will make us liable for the  remaining balance after this said liquidation and short sale. Otherwise, allow liquidation under Federal Short Sale Guidelines and Procedure.
Product: Vehicle loan or lease

I am a low income minority customer. I went to Larry Miller XXXX in XXXX XXXX, CA. They high pressure steered me into a XXXX XXXX XXXX, which was worth $ XXXX at best. They had me finance $ XXXX. 
Here 's the problem : I make {$15.00} an hour and they lied on my credit application and said that I make $ XXXX per year in order to get me approved for a 25 % interest subprime loan with XXXX XXXX . Yes, the dealership lied about my income to get me approved for a loan. On top of that, turns out XXXX is in on the whole scheme. XXXX XXXX business model revolves around issuing predatory auto loans that their own data shows 70 % of customers will default on. Their own data shows they are ruining the lives of minority customers. XXXX is fully aware that dealers routinely lie about their customer 's income to get them approved for these fraudulent loans. 
Both the dealership and XXXX are engaging in abusive harmful practices. The CFPB must act and shut XXXX down and sue these car dealers that are pushing their customers into abusive and fraudulent auto loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two items ( XXXX XXXX, XXXX XXXX ) reporting on my credit report that are not my accounts. It appears that both accounts were open in 2019. I have made several attempts to contact the credit bureaus via mail to address this situation. Each time I receive an updated copy of my report with the same 2 items still reporting. I have not receive any results of the investigation that can actually tie me to these accounts.
Product: Credit card or prepaid card

I was incorrectly overcharged by {$1200.00} by merchant XXXX XXXX on XX/XX/XXXX, and have an email from XX/XX/XXXX where the merchant agreed I was overcharged by {$1200.00}. The merchant said they would issue money back and I asked them to resolve via the Chase dispute process based on advice from the bank. Chase denied my claim on XX/XX/XXXX so I provided the merchant documentation to Chase and reopened the claim on XX/XX/XXXX but they denied it again on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX According to the law 15 US code 1692c, it states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Types of communication : Report to credit bureau Letters in the mail
Product: Debt collection

This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help.
Product: Credit card or prepaid card

This complaint is about my Wells Fargo credit card ending in XXXX. I made the full payment for {$3200.00} on XX/XX/XXXX for the XXXX statement of this card, but the payment wasn't processed until XX/XX/XXXX after contacting Wells Fargo customer service several times. The payment was initiated on the Wells Fargo website using ACH pull from my checking account from another bank, which was the account that I always used in previous months. The Wells Fargo 's website shows that this payment was received on XX/XX/XXXX, and on my bank 's website it is showing the fund left my checking account on XX/XX/XXXX. It appears that this payment wasn't processed by Wells Fargo for nearly XXXX weeks. I'd like to remark that the XXXX statement was due on XX/XX/XXXX, and I made the payment more than two weeks before the due date. This delay in processing payment caused some trouble in making subsequent recurring purchase in XXXX, and for which I was then charged for a non-sufficient fund fee.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a two letters in the mail from NRS ( NATIONWIDE RECOVERY SERVICE ) around XX/XX/2021. One letter states I owe them {$450.00} and the 2nd letter states I owe them {$510.00} I've never heard of NRS ( NATIONWIDE RECOVERY SERVICE ) and don't even know how they got my information. I responded by mail on XX/XX/2021, in which I have the returned receipts from the Postal Service showing they received and accepted one of letters on XX/XX/2021 and the other one was received and accepted on XX/XX/2021. According to law 15 USC 1692g ( b ) as a Consumer I requested that they Validate this debt they claim I owe. It's been over 30 days and still haven't received any proof from NRS ( NATIONWIDE RECOVER SERVICE ) showing no Validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I just learned there is an unpaid electricity bill that was originally in my daughter 's name along with mine. In XXXX when she moved into her own place I signed in lieu of a big deposit to get her electricity connected. That ( I thought ) was the end of it. She eventually moved out and into another apartment from XXXX/XXXX/XXXX until she moved out in XXXX XXXX ; she then had the electricity transferred in the roommate 's name. Whether when my daughter left, the electric company did n't send the last electric bill, I do not know ( they will not discuss with me now that this is turned over to a collection agency ). The electricity company has now reported me living at her last address ( my residence is 12 yrs 8 months where I am currently ). In addition, this unpaid balance of {$79.00} is now showing as a collection on my credit report. I have reached out to the collection agency ; they are very rude! They are requiring I file a police report of stolen identity since I never lived at the place where this electricity bill originated ... show proof of my residence for the time the electricity was generated at that address. I am literally being instructed to jump through many hoops. I would n't mind just paying the bill just to get rid of it but would it really get rid of it? Wo n't it stay on my credit history as a collection? Why ca n't I just pay the electricity company and ask they call off their collection agency? I personally had my daughter 's mail forwarded when she left that apartment to my residence to avoid things such as these. I believe that was for a time frame of 6 months to a year ; we never saw this bill or any letter informing it was unpaid or going into collections. Can you help me? Thanks!
Product: Debt collection

I had XXXX and cancelled it. Returned the equipment, ( of which I no longer have proof. It was right before COVID and I moved. ) but I may not have paid the last bill, I don't remember. Regardless, I started getting frequent calls from - Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Office Hours : Monday to Friday XXXX XXXX  EST To XXXX XXXX PST and Saturday XXXX XXXX  EST To XXXX XXXX  Toll free # XXXX around XXXX. I talked to them one of the times, and they said I owed {$1100.00}. I explained that I had sent the equipment back and I no longer had the service. I explained that I may have owed a month but I returned the equipment so why was it so much. He said that the bulk of the bill was not the equipment, but the bill itself. I asked him what company would let you keep your service long enough to accumulate that much debt for internet/cable? I then gave him my email and asked him for and itemized bill that shows how the debt became that much. He told me it would take 3 days. I got the email and viewed the documents. It was two consecutive bills that did not show how the big debt accrued but it was just added on from a previous bill. No itemized reason for the debt.
Product: Debt collection

This company put medical debt on my credit report causing irreparable damage to my credit score and the cost of great interest rates. The collection company ( Americollect ) when contacted mentioned XXXX XXXX did not process the medical procedure properly, causing the derogative information being put on all 3 credit bureaus. I have state medical insurance and do not receive medical bills because XXXX DC XXXX XXXX takes care of all my medical bills and any associated procedure needed. The collection company said the office processed the claim and cause my credit score to take a harmful dive and caused harship.
Product: Debt collection

Stewart Title performed the underwriting for the purchase of XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/year> between myself and XXXX. XXXX closed after being sued by the Connecticut Attorney General last month for fraudulent and deceptive practices. XXXX XXXX initiated an inquiry in the business practices of XXXX. 

Stewart Title knew and had reason to know that XXXX engaged in fraudulent and deceptive practices. This was evident when they sued me and my late father 's estate in XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX. The deeds and the HUD 1 statement were fraudulently produced by XXXX and Stewart Title. However, the Court sided with Stewart Title. None of the deeds produced contain an accurate accounting of money transferred to me at any given time. The HUD 1 is also a fraudulent document that Stewart Title used to obtain a judgment and file an adversary proceeding against me in the U.S. Bankruptcy Court for the District of Maryland. 

Stewart Title falsely proffered to CFPB in complaint number XXXX that I owed Stewart Title {$150000.00}. During the Bankruptcy 341 meeting the Trustee asked XXXX to produce the disbursement logs documenting the money trail and Stewart Title refused to comply. 

XXXX XXXX never paid {$150000.00} and filed a fraudulent deed with the Circuit Court for XXXX XXXX. XXXX never paid {$440000.00} for the purchase of XXXX XXXX XXXX XXXX and Stewart Title knew this at closing as they have no record of {$440000.00} being transferred anywhere. 

Stewart Title used fraudulent documents to obtain a judgment and further harass me for filing complaints with the CFPB, Circuit Courts, Appellate Courts, U.S. District Court of MD - Bankruptcy. 

They should be held accountable for proffering false and manipulated evidence to the courts and CFPB.
Product: Debt collection

The last payment made on this account was to the original creditor in XX/XX/year>. In XX/XX/year> this account was turned over to the collection agency. No payment was ever made to the collection agencies, so the last payment made was 7 years and 2 months ago. By law this account should be removed from my credit report and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gained access to my personal information.I noticed the fraudulent activity started a few weeks after I moved from one place to another. I recently checked my credit report and saw unfamiliar activity from three different companies. ( XXXX XXXX - XXXX  ), ( XXXX ) & ( XXXX XXXX ). 

ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The company World Finance Corporat is attempting to collect a debt from me which is not mine. The following account is not mine nor is it associated with me and I would like the immediate remove of these account ; XXXX
Product: Credit reporting or other personal consumer reports

credit reporting companies : XXXX XXXX and Transunion are all reporting inaccurate information on my public record on my credit report. It has hindered my ability to purchase a home for my family I have reached out to each and they all say they can not verify my identity. In that case you all have improperly added false information to my consumer report and credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please be advised this is my second request that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED ACCOUNT
Product: Debt collection

I am on a payment plan per the settlement they sent me in the mail, the day o made my first payment they called and acted like they had no idea about the payment plan. Over the last XXXX weeks Ive received calls almost every single day with them trying to collect more money, Im tired of it. And when asked they act like they dont know a thing about anything.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding TransUnion, XXXX XXXX XXXX for not resolving inaccuracies on my credit report. Despite requesting a re-investigation, the inaccurate information remains unchanged. My prior complaint was closed, but no corrective actions were taken to resolve the issues. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to the following : FCRA Section 1681i ( a ) The credit bureaus failed to conduct a thorough investigation of the disputed account, leaving inaccurate information on my credit report.

FCRA Section 1681e ( b ) The information provided by these agencies is not reported with the maximum possible accuracy. They did not verify the data properly, resulting in continued inaccuracies.

FDCPA Section 809 ( b ) The credit bureaus have not provided proper validation of the disputed account, violating the requirement to confirm and substantiate the debt in accordance with the FDCPA. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to review this matter and ensure the credit bureaus comply with their obligations to provide accurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the inquiries listed below are fraudulent and are being reported to my equifax credit report which is against consumer law. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been requesting my free credit report from Experian, XXXX, and XXXX since last year i havent been able to receive them or no response!
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 


This negligence to remove these fraud information has caused me great stress and a very low score on my credit report here are the following fraud 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and finally these inquirires that I have not requested any service with these creditors on the dates mentioned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Attempted to make several loan repayments before the due date and each time AidVantage reverses the payment. I receive the email thanking me for payment but then a few weeks later receive an email saying that they have not received any payments and I am past due. This is incurring interest and affecting my credit score poorly. Please help! 

XX/XX/2023 Payment Reversal XX/XX/2023 Payment XX/XX/2023 Payment Reversal XX/XX/2023 Payment XX/XX/2023 Payment Reversal XX/XX/2023 Payment XX/XX/2023 Capitalized Interest {$220.00} - {$220.00} {$110.00} - {$110.00} {$110.00} - {$110.00}
Product: Credit reporting or other personal consumer reports

TransUnion is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. I had an accident and the vehicle XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and TransUnion still have not furnished me the information. 

XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. It states the last payment was XX/XX/XXXX. I had an accident and the vehicle XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the information. 

XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. I had an accident and the vehicle XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the information.