23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2022 I attempted to sale my house. I was notified that there was a second deed of trust held by XXXX. I had filed for bankruptcy some years back and was under the impression that the second mortgage was dissolved but it was not. It was transferred through multiple servicing companies and ended up at PHH mortgage company. I was notified by them that it was charged off and sold to XXXX XXXX XXXX ( XXXX ). I have had numerous phone calls with XXXX and can not get any information from them. The account is either on hold, closed or they can not find it. I have requested that IF there is a balance what are the options for for settlement and I am always told I will receive a call back or an email. In which I never receive. On XX/XX/2022 I was told they could not locate the account and I would have to speak to an offshore supervisor that was located in XXXX so he would have to call me back. I asked if I could hold to speak to him since I have yet to receive a call back. The individual I was speaking to raised his voice and told me that was not an option. At this point after several attempts to get the Deed released to my property I am frustrated and do not know where to turn. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent two dispute letters to Experian disputing two accounts under the name XXXX XXXX XXXX These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO Experian, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks
Product: Debt collection

Contacted the debt collector and explained the debt is not mine, they put a hold on the collection to investigate. However, I received a notice via mail that they concluded their information was accurate. I disagree and believe this to be a credit fraud situation. I have checked all three credit bureaus and there is no record of this credit card on any of them.
Product: Debt collection

Third party the took over the account threaten to take me to court and sue me if I didn't make a payment arrangement for this old account.
Product: Debt collection

THIS DEBT WAS PAID IN FULL IN THE AMOUNT, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the presence of inaccuracies on my credit report held by EXPERIAN. On XX/XX/XXXX, I sent a letter to EXPERIAN addressing the issue of XXXX hard inquiries listed on my credit report, dating between XX/XX/XXXX and XX/XX/XXXX. 

These hard inquiries are in direct violation of U.S. Code 15 1681 and other pertinent laws designed to protect consumer rights and ensure the accuracy of credit reporting. Despite providing evidence of my identity through a valid ID containing my current address, along with a copy of my credit report clearly indicating the erroneous hard inquiries, EXPERIAN has failed to take appropriate action to rectify this situation.

Under the provisions of U.S. Code 15 1681 and related legislation, it is imperative that EXPERIAN promptly investigates and deletes these inaccurate hard inquiries from my credit report within 30 days. Failure to do so not only constitutes a breach of federal law but also undermines my rights as a consumer. 

I expect EXPERIAN to respond satisfactorily to this complaint and take swift action to correct the inaccuracies on my credit report. Failure to do so will leave me with no choice but to pursue legal action, seeking damages of {$1000.00} for each erroneous inquiry, as provided for under relevant statutes. 

Attached to this complaint, you will find : A copy of my valid ID containing my current address. 
A copy of my credit report highlighting the erroneous hard inquiries. 
A copy of letter sent I urge the CFPB to investigate this matter thoroughly and ensure that EXPERIAN adheres to its obligations under the law. Your intervention is crucial in resolving this issue and safeguarding consumer rights. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2021, I sent out my dispute letter to you and its been over 7 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.
Product: Debt collection

In XXXXXXXX XXXX XXXXXXXX the company I leased my vehicle from closed down and filed bankruptcy without proper notification of. My vehicle was repossessed on XXXX XXXX, XXXX. Ive been asking for documentation on the repossession and have yet not received anything. They hang up on you they XXXX  you out. Even told me that my mom was a XXXX. And hung up. They are very rude and unprofessional. About a week ago they reported on my credit after they sold the vehicle. I just spoke with Westlake Portfolio Management today to find out they sold the vehicle for {$5400.00} on XX/XX/2023. How are they able to report a vehicle to my credit report that I have a contract with another company. Once American Financial Closed down my vehicle needed a 3rd engine. I replaced that engine and know Im out of a car and {$3000.00}. This is fraud to report something to my credit report after you sold the vehicle. They refused to give me documentation of the repossession. They didnt report the repossession to the local sheriff office or anything. This is fraud and this company needs to be closed down.
Product: Debt collection

I have had a lot of identity theft between my mom and my aunt. I have recently in the past few years tried to clean up some of the mess. I recently learned about credit. they have both done it to me and my sister. tried contacting company but they don't want to help me with situation. Saying things like why I couldn't get the money from them since they were family. one my mom XXXX  3 years ago and two they should have never let someone 20 years older than said person sis number. it is stopping me from getting a mortgage.
Product: Debt collection

XX/XX/XXXX - I received a claim for {$100.00} from a collector called XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. The last time I had vet service from this merchant was almost two years ago. There is no single communication since then. I called the merchant and was advised that it was related to a XXXX occurred on XX/XX/XXXX. 

XX/XX/XXXX - the XXXX was performed on my dog and we were charged {$770.00}. It was paid in full at the time. 
XX/XX/XXXX - an invoice for fecal test was in my inbox for {$52.00}. We were advised that no payment was needed as the it would be included in the tomorrows XXXX charge ( which we paid in full ). However, I found out today that this balance remains unpaid in their system. The merchant also added a finance charge for this missed payment although we paid everything in full real time and no other communication was provided since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint serves as a follow-up to my previous complaint, in which I requested the Credit Reporting Agencies to investigate and remove the accounts resulting from fraudulent activities. On XX/XX/2023, I sent dispute letters to each of the Credit Reporting Agencies, providing copies of my personal identifying documents and the FTC report I received from the Federal Trade Commission, which documented the fraudulent accounts on my Credit Reports. I hereby request the Credit Bureaus to conduct a thorough investigation of the following accounts and promptly remove them from my Credit File in accordance with the Fair Credit Reporting Act Section 605b : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1700.00} XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. I want to emphasize that these accounts were not created by me, nor did I authorize anyone on my behalf to do so. They are undoubtedly fraudulent and must be expeditiously removed from my Credit File. As an added precaution, I have attached the letters I sent on XX/XX/2023, as I am concerned they might not have been received by the Credit Bureaus. This complaint serves as assurance that the Credit Bureaus will indeed receive the letters.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
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 XXXXXXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been sending FTC Reports from identity theft website and Transunion will always make a excuse to why they cant remove the Accounts that listed on my credit report ( like sayin the FTC report ) is invalid when they remove the hard inquiries that was listed but didnt remove the account also today XX/XX/year> I called to try to speak to either a supervisor or a US Representative and 2 agents answered the phone one name XXXX and the other name XXXX they wouldnt transfer my call they said they doesnt have the option to transfer me and hung up in my face very rudely. Transunion is very corrupt. I been sending them FTC report that came off the website and them been telling me for 2 years now that the valid FTC report that I sent is not valid they constantly making excuse I also just spoke to a supervisor from transunion who name is XXXX and he told me that the federal trade commission documents that I sent in was invalid also I been trying to get these accounts remove for 2years now and they telling me the same thing These accounts that on my Transunion Credit report is not on XXXX XXXX XXXX and XXXX why Transunion is being sued from FCRA and CFPB that have Fradulent information reporting on people credit and they want investigated or remove the items I have a attorney involved im taking legal actions I had enough
Product: Checking or savings account

I would like to have my Saving account closed, and the amount of money in the savings account sent to me. The bank helped me and getting my savings account unfrozen. They did a great job with that. But since Ive tried to close the account, the agents are asking me over and over again to resubmit all of the information that I provided in the first CFPB complaint. What theyre asking is for the same credentials that I provided in the last case I explain to them that I had already done that and they said I would provide all of the prior information. Please close the account and send me a check. Thank you very much.
Product: Credit card or prepaid card

Purchase made online via XXXX on or about XX/XX/XXXX, in the amount of {$39.00} and I never received the product. On my bill it shows the charge was made in XXXX by XXXX, however the ad indicated the company was in California. In or about XX/XX/XXXX, I filed a dispute with Syncrony Bank ( Verizon Visa ), the charge was taken off, a new card was unilaterally issued by the bank as a result of fraud. Surprisingly, on or about XX/XX/XXXX, the company charged my account for the {$39.00} that they already verified to be fraudulent. I made three inquires ( 2 via telephone & 1 via online message ), and all these " fast speaking and XXXX  '' agents keep saying is that " I accepted responsibility for the charge. '' I asked them to provide me with the proof they have of this and they are unwilling to do so. The next excuse the agent gave me was the I " filed the dispute incorrectly '' ... some nonsense about a billing dispute and fraud dispute. Not matter what, I filed a dispute to a charge that was a scam and fraudulant. I have no idea what this company is doing and all I've received from them since XXXX, is sneaky business practices. Their investigators didn't investigate this matter since all they had to do is XXXX the name of the company and the results show as " SCAM ''. See attachments. Synchrony Bank is allowing this scam to continue and they are placing the consumers at risk with not doing their complete job! Suffice it say, I bought something online and never received the product, nor did I " accept responsibility '' of the charge as the agents both claim, but they won't provide me with proof of my acceptance. By using my Visa, I have protection ( or they claim I do ), for such circumstances.
Product: Mortgage

On XX/XX/2021 we sent a payment of {$1200.00} towards our required {$620.00} mortgage payment. This payment was divided by the mortgage company into two mortgage payments for XX/XX/XXXX & XX/XX/XXXX therefore being short {$42.00}. I called Mr. Cooper to find out why this payment had been split to find out that they were not aware that his had happened and it would not happen again. On XX/XX/2021 we received a corrected mortgage loan statement designating the monies to their proper place. On XX/XX/2021 we received a mortgage loan statement that has repeated the same as the XX/XX/XXXX statement, dividing it into two separate payments and not applying the additional monies towards the principle. 
The loan number and mortgage provider are in the attachments.
Product: Debt collection

this company Hunter Warfield XXXX has been harassing my family looking for someone who owes them money when we have told them to please stop calling this number and they cont. they are very rude and threaten us with law suits jail etc ... Please make them stop
Product: Debt collection

I was advised by XXXX XXXX agent calling about a debt to not worry due to inability to pay. No arrangement was ever discussed. She advised that any future attempts at collection should be ignored and she would resolve the debt. She did state if I received another contact to disregard. This is All on the tape. I now received a collection notice from Nationwide Recovery Systems LTD. XXXX XXXX the business office declined my explanation and proceeded to debate and argue that with me. I notified her to cease and desist which which she angrily did not acknowledge but proceeded to hand up - check the call XXXX : XXXX  XX/XX/2021. I then called XXXX XXXX XXXX  XXXX XXXX who proceeded with the same response. I asked her to pull the tape but she procrastinated. They even had the wrong phone number an impossibility to have called me in XX/XX/2021 because my number was changed prior to that and they were using an older wrong number.I asked her to pull the tape and listen! My wife provided her my correct number I was too upset to even discuss. .I was advised to DISREGARD ANY ATTEMPTS TO COLLECT via any form and she was taking care of the outstanding balance. I thanked her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim and I've attempted to resolve this matter several times with no results
Product: Credit card

My complaint is against Comenity Bank/XXXX XXXX XXXX XXXX XXXX Bread Financial '' ( very befitting name ) for not allowing consumers to make credit card payments and have said payments posted on the SAME DAY via their website or by phone with a representative AFTER XXXX XXXX. I live in the state of Georgia, and the last time I checked, it's not another day until XXXX XXXX. Consumers are being overly charged for unnecessary late fees & penalties because of this. I personally have complained to ComenityXXXX XXXXXXXX XXXX XXXX and have yet to be contacted by ANY member of their management team nor executives to address this situation. Much less, when I demanded an explanation in writing as to WHY their " company policy '' regarding the timeframe for payments to be posted and applied the same day only up until XXXX exists. Do they possess some other type of software or " system '' different from most ALL other credit card companies that allow consumers to make payments and have posted same day until XXXX XXXX. Again, they could not produce such explanation because this is an illegal tactic for the sole purpose of racking up late fees. My statement balance for XXXX was {$25.00} ... I paid {$25.00} on XX/XX/year>XXXX XXXX XXXX and was charged a late fee of {$28.00} ( without a statement balance ) for the month of XXXX. On XX/XX/year>, I paid {$30.00} AFTER XXXX and was told I would be assessed ANOTHER LATE FEE FOR THE LATE FEE!!! ABSOLUTELY NOT!!! 

I am EXTREMELY TIRED of consumers bearing the burden of these greedy corporations and no one is looking out for our best interests. I want XXXXomenity BankXXXX XXXX XXXX " Bread Financial '' to change this policy immediately and be SUED IN A CLASS ACTION LAWSUIT to re-coup ALL LATE PAYMENT FEES INCURRED BY CONSUMERS AS A RESULT OF THIS POLICY!
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX Credit Card with XXXX and out of the blue my card was declined at a store I was trying to make a purchase. It was declined. I opened my XXXX app that service the account with and it was blank and said N/A. I contacted XXXX and they said the account has been turned over to another servicer. I have a balance on this card i want to pay off in full like i do every month but XXXX will not give me information due to the account being switched. i have no idea who the company is or when my balance is due. The one lady at XXXX named XXXX said i had two cards with XXXX which is false. i told them this could be fraudulent but they said they cant speak to me... What am i to do when i am sure i have a due date coming up but no way of verifying this is fraud or my purchases. Please help!
Product: Debt collection

Request for Debt Validation to Help Dear Sir/Madam, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide me with the following information : 1. The full amount of the debt, including any interest, fees, or charges.

2. The name of the original creditor and their contact information.

3. A copy of the original signed contract or agreement that created this debt.

4. A detailed statement outlining the dates and amounts of all payments made, and the remaining balance on the account.

5. Documentation verifying that you are authorized to collect this debt on behalf of the original creditor. 

In accordance with the FDCPA, I ask that all collection efforts cease until you provide the requested documentation. If you can not provide the necessary validation, I request that you cease all further collection actions and remove any negative reports related to this account from my credit file. 

Please send the requested documentation within 30 days of receipt of this letter. If you fail to provide the validation, I will consider the debt invalid and take appropriate action. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ask for them to remove hard inquires under to The XXXX XXXX, in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE.