23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 at XXXX XXXX PST XXXX Credence Resource Management in regards to debt from XXXX XXXX XXXX. I contacted this company to discuss the validity of the debt and my options to clear it up. I spoke with a Supervisor named XXXX XXXX. We discussed options of repayment. I have lost my job due to COVID and that is why this is in collections. I asked for a XXXX dollar monthly payment arrangement. XXXX XXXX stated, there was a timeframe to clear this account up and that he would only be able to accept an arrangement of four installments of XXXX within the timeframe I had left. When I inquired on that timeframe he could not provide a dare and stated I needed to pay it as soon as possible to avoid the account from being " taken back. '' Furthermore, that the reason it was so urgent was that any money I put towards the account could be forfeit should it get taken back, and I would owe more money. I had to end the conversation as I didn't have the funds to make a XXXX payment. I did some research and found that the empty threats he was making were illegal. I contact the agency back on XX/XX/2021 at XXXX XXXX. I spoke with XXXX XXXX who put me through to his Supervisor XXXX XXXX. I explained what happened and the illegal tactics used. XXXX, acknowledge the illegal tactics and stated the XXXX XXXX was just trying to settle the account soon. He also explained that they have 180 days to settle it before XXXX XXXX XXXX can reclaim the debt. I requested a validity letter to be sent out and that I wanted the call pulled from XX/XX/2021 and that I will be reporting their company to the FTC.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I checked my credit and XX/XX/2018 and show was a collections under Transworld System INC XXXX, I never get any notification from this debt ever, I called and they claim account was for XXXX XXXX   a bill I never know I owe, a contract claim an expense, I immediately paid explain since I never get any notification they offer remove from my credit, but still show. I mailed a letter requesting a remove but never answered
Product: Mortgage

In XXXX we entered into a Deed in Lieu contract with our mortgager, XXXX XXXX XXXX after an unsuccessful attempt to sell our home in a short sale. After complying with all the requirements of the DIL contract, to include vacating our home, XXXX took possession of the property. In XXXX XXXX, XXXX transferred service of our loan to Selene Finance. At that time we were told that because we were in the final stages of the DIL process, it was just a matter of Selene Finance completing the process and recording the DIL with the county where the property is located. Almost 2 years later this has still not happened. I have contacted Selene Finance over 60 times in the past 22 months and have only been allowed to speak with the customer service rep who answers the phone. I have spoken to my single point of contact 3 or 4 times ( he has only returned my phone calls once ). Customer service told me back in XXXX XXXX that they had the signed DIL from XXXX on file. In XXXX XXXX I was told by Selene Finance Reps that it would take about 45 to 60 days to complete the DIL. In XXXX XXXX, Selene Customer reps told me it was the county holding up the process, they were just waiting for the recorded documents ( I contacted the County and they reported they had not received anything regarding a deed change on the property ). In XXXX of XXXX Selene reps informed me the DIL had been completed as of XXXX/XXXX/XXXX and we were no longer the property owners. Next Selene reps told me they were waiting for XXXX to submit the original documents to them. In XXXX XXXX I was told by Selene reps that the DIL had been accepted and completed on XXXX and we should be receiving a release of debt in the mail. In XXXX XXXX I get a call from them telling me I am in active foreclosure, but then they verify that we intend to continue with the DIL. I 'm then told the DIL was accepted as of XXXX/XXXX/XXXX and was sent to " claims '' and the property was considered real estate owned. Each time I call I am told the file is in claims, and they are just waiting for their lawyers to send us a release letter. But the Customer service reps assure me they will send an email to " escalate '' my file. When I request to speak to someone in claims I am told they do not take outside calls. I have also attempted to email the resolution despite dept. but it bounced back. I have sent written correspondence and in XXXX of this year I had an attorneys office send a letter on our behalf. Selene 's response was they were awaiting clear title and they would have the DIL sent for recording. When I last contacted Selene Finance on XXXX/XXXX/XXXX a manager told me that the DIL was sent off to the attorneys for recording on XXXX/XXXX/XXXX. As I have been told this numerous times in the past by Selene reps I have little faith that they will rectify this situation any time soon. Their unwillingness to proceed in a timely manner or to even contact me with information or questions concerning the loan has caused much hardship and anguish in my living situation.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good morning, I received a phone call from an unknown number at XXXX XXXX  on XX/XX/XXXX. There was a voicemail issued to me from a young lady from XXXX XXXX stating that I will be summoned with paperwork to my address & that paperwork will be issued to my verified place of employment. The number was ( XXXX XXXX XXXX as a call back & the reference number was # XXXX. 

I called back to XXXX, XXXX XXXX XXXX and was connected to representative ( paralegal? ) XXXX XXXX. XXXX XXXX was rude & told me I was wasting his time by insulting his intelligence, and he also told me that I obviously dont understand how credit works when I notified him that I do not recall having this account. I notified him that I disagree with the allegations that this is my account. His aggression was not necessary. Apparently, the ring purchased had a {$520.00} balance for {$190.00} ring. I notified XXXX XXXX that I do not recall having this account. Apparently the last payment was made in XX/XX/XXXX. On XX/XX/XXXX the account was opened. Payments were made on the account. I have no idea who this creditor is but I will surely be reaching out to Kay Jewelers directly regarding this matter. Threatening to send me to a court that may or may not be open due to COVID makes no sense. He did offer me a settlement and also offered $ XXXX {$150.00} payments per month. And when I commenced to telling him that I was not claiming the account, he commenced to screaming, insults, and abuse. 

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

I filed a complaint about bmw financial services account. They responded with a copy of a bill or lease agreement with handwriting thats not my handwriting and they dont have a copy of the identification of the individual that signed the lease. This is a fraud account and BMW NEEDS TO PROVIDE PHOTO IDENTIFICATION OF THE PERSON WHO SIGNED THE LEASE and if they cant the account needs to be removed and blocked
Product: Credit reporting or other personal consumer reports

Equifax was notified XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about reporting inaccurate information from XXXX XXXX XXXX. I've never opened a loan with this company in XXXX. This company has been illegally reporting information to the 3 credit bureaus in which is false. According to 15 USC 1681n I'm entitled to Statutory Damages each time they're illegally reporting. I'm willing to waive this if, and only the reporting discontinues and my points are replaced on my credit score, and late payments are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; 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 XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my Transunion credit report on XX/XX/2024and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with Midland Credit Management. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Product: Debt collection

I received a collection notice from Grant Mercantile Agency in XX/XX/2021 regarding a debt of {$300.00} from XXXX XXXX XXXX XXXX XXXX. This should have been paid by insurance, so I reached out to the XXXX XXXX XXXX XXXX XXXX to see why it was not and was informed they never sent it to my insurance, as they had inaccurate insurance information. 

I was told they would bill the insurance company and it would be taken care of. I didn't hear anything back and on XX/XX/2021 Grant Mercantile Agency again flagged my account as collections. I have not received any written or verbal communication since I addressed the issue in XXXX. I only now am aware it is once again in collections because of checking my credit report. I don't understand how this is back in collections, if it was sent to my insurance company and there has been no further communication.
Product: Bank account or service

BBVA Compass authorized a charge card without my consent. I specifically asked for only a checking account and not a charge card. XXXX XXXX tried to slip in a paper to sign along with the checking account papers after I told him I did not want to open a charge card. I caught it and did not sign the contract to open a charge card. I then received a charge card in the mail. XXXX XXXX also asked if I wanted help setting up online banking. I said yes. Then he asked me where I was from and he told me he would use that information for my security question. I told him to stop setting up the online banking and I would do it myself.
Product: Credit card or prepaid card

Attempted to obtain a credit card through credit karma alleging pre approval. I was denied. Negative inquiry against my credit as a result.
Product: Credit reporting or other personal consumer reports

I write this notice saddened by the inequality and trespass of my consumer rights. The consumer reporting agencies have had more than their allotted time to fix an issue Ive been continually attempting to correct. Ive filed an FTC report as a result of the violation of privacy via the PRIVACY ACT of 1974, because neither the creditors of the alleged debt nor the consumer reporting agencies have provided me anything in writing in which Ive signed stating they had the ability to report my non-public personal information. Ive requested several times and theyve not providing me with anything. Ive also recently sent in my request to block such erroneous and invalid information from my report via 15 USC 1681c-2, and comprehending the consumer reporting agencies had 4 days to block such information from my consumer report, theyve not done so, which means the company is abiding by the laws of congress. I have pain and suffering because of these reporting as it is hindering me from taking care of myself, my kids and family. The defamation of my character has gone on for far too long and Im tired of it! Ive included the documents I sent out in the XXXX of XXXX, thats including the FTC report, and the identity accounts, my identification and my personal statement, the documents were also notarized.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for Navient to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

NAVIENT - XXXX NAVIENT - XXXX Last 4 digit SSN - XXXX
Product: Debt collection

Yes this collection agency EOS is collecting a debt from XXXX saying I owe XXXX I have ask numerous times to provide me With contract saying I signed for this my valid documentation where I approved to used XXXX signed contract I been receiving mail harassing telephone calls ask to cease all communication levels still no validation on this debt please remove this debt as this debt is not valid and I am a victim of identity theft and this is included on the day my identity was taken so remove this debt under the us code 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account Equifax Mortgage Solutio XX/XX/2021, XXXX XXXX XXXX has violated my rights.

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 an account without my written instructions
Product: Vehicle loan or lease

I applied for a new auto loan at Navy Federal Credit Union. 

I want to refinance my new car and they list new as 2023 and newer with under XXXX miles. Mine is a XXXX with XXXX miles on it. 

Their only disclaimer is " Advertised as low as annual percentage rates ( APR ) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. '' My credit score is XXXX. They list 72 months as 4.79 % but they only offered me 8.59 % to borrow XXXX, almost double. Explain what part of the above would keep me from qualifying for the best available rate? This is the only place I do not. 

They will NOT tell you why you were not offered the better rate but it will still cost you a hard pull on your credit report because you thought you for sure qualified. 

This is a total bait and switch and they are preying on people who have no other options. I am fortunate and can do something else, I just thought I found a good deal. 

This is predatory lending! 

b.t.w. They did that same thing to my daughter for her student loan when I was supposed to co-sign. Total bait and switch. That also cost me a hard pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX, PORTFOLIO RECOVERY # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from Portfolio Recovery, XXXX XXXX XXXX, and XXXX  XXXX. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. 

If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Product: Student loan

Here 's my story : I 've been paying my minimum monthly payment every month to Sallie Mae until I fell into hard times. My car keeps breaking down and now taking care of my homeless father. I can no longer afford my minimum monthly payment. Before, today XX/XX/2017, I 've called several times trying to lower my payment and I was told my only option is to go on forbearance. I did n't want to stop paying them, so, I started sending checks of what I can afford. That is when they started harassing me at my work and other family members looking for money. I called again and was on the phone with them for over 3 hours, today, trying to find a solution. I talked to XXXX, in the Resolution Department, giving them all my financial information and hard ship issues. The call elevated to the supervisor, XXXX employee # XXXX. They told me they can not help me and forbearance is my only option. ( All calls are recorded so you could potentially get the information if you need it ). My XXXX XXXX XXXX grandmother is my cosigner. She is currently living on only social security so she is, also, unable to help me with payments. They wanted to speak to my cosigner, however, she is unable to speak on the phone. I told them vehemently, over and over, she is unable to think clearly and there is no one to speak on her behalf. I made it very clear that I want to be responsible for my payments of what I can afford. Throughout this 3 hour call I kept telling them I can pay {$100.00} per month and I know I could continue making {$100.00} payments through the duration of the loan. They just kept offering the forbearance or speak to my cosigner ( aka my XXXX ) - those were my only options. It started this back and forth conversation and they did not give me any other options. Am I wrong? Should n't they work with me? They have no problem cashing my check I send in each month. Now my credit is ruined because of them, so, now I do n't qualify to consolidate my loans with a bank. I am writing to you, not only to help others, but also to see if there is ANYTHING you can do to help me. I 'm desperate and I need you. 
Thank you, XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX XXXX gradutate
Product: Money transfer, virtual currency, or money service

Used XXXX for a rental. Imposter called posing as the owner and his wife asking about my rental requirements. After which, the rental was cancelled on XXXX. The imposter then sent a message via XXXX secure server that the property was available and provided a number to call. I called and we chatted again about rental requirements and imposter agreed to rent home. An email from XXXX followed with reservation info and wiring instruction to pay for home. A follow up email came from XXXX arrived with a contract to sign. XXXX was signed and returned to XXXX. Funds were wired as per instructions. A reply from XXXX @ XXXX confirmed receipt of contract and funds. 

Called to cancel reservation and request refund as per XXXX and personal agreement. XXXX has no payment. Owner had me on schedule but no payments had been received.
Product: Debt collection

Collections agency continues to place harassing calls to myself & wife, and send additional threatening correspondence in order to collect on medical bills already paid to the provider of health care services. 

Attached : Bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX 2015Attached : Check payment, XXXX XXXX 2015 and cashed cash ( reverse ) with bank details of presentment XXXX XXXX 2015Attached : correspondence from J & L Teamworks dated XXXX XXXX 2015Phone calls continue to this day..