23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2023 I was pre-approved for a mortgage loan and when I did not find a home to purchase my pre approval expired after 3 months. I knew it would expire and was told I would get an extension, but instead I was asked to re-apply again for the mortgage loan and was denied after the application was submitted.
Product: Credit reporting or other personal consumer reports

Ive been trying to get the company to confirm my debt. On XX/XX/year> I sent a certified letter to them asking for proof of licensing in my state to collect debt, I asked for a contract that has my signature agreeing that this debt is mine. I have not heard from the company, and Ive been in contact with the credit bureaus to have this information removed from my report. The company or the credit bureau did not fulfill my request and is still reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy was dismissed  XX/XX/XXXX  and still has not been removed. ( Was originally filed XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y XX/XX/XXXX  and still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX Balance : {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

Unknown Collection Medical Debt : MCA Management CO Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX Pl XXXX XXXX, never at any other address on my credit report. I have attached a copy of my XXXX, XXXX for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Product: Debt collection

I have a debt from the XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX Hospital in XXXX, Pa. This debt was transferred to XXXX and I have been making monthly payments. Several years in XXXX stopped sending me statements about my debt. I would call statements would resume, for a year then stop. The only way I receive a statement is by not making a monthly payment, which XXXX then attempts to void my monthly payment plan. I filed a complaint with the BBB and was advised I would receive statements, which I have not. I filed a complaint with you, complaint XXXX, that XXXX states was not with them which was concerning because they are cashing my checks. On XXXX XXXX I received correspondence due to not making a payment in an attempt to know the balance and the letter states from XXXX. I never received any notification that my debt was being transferred or that XXXX is now XXXX. I am asking to receive statements in an effort to know what is owed, who I am paying, that my payments are being applied.
Product: Payday loan, title loan, or personal loan

Hi, I have a complaint against an underhanded business named XXXX XXXX XXXX, which is a pay day loan company. Their address online is listed as XXXX. XXXX XXXX, XXXX XXXX SD, XXXX. 

The issue that Im having with them is that theyre preventing me from making extra payments on my pay day loan in order to bring the principle down and combat their absurdly high interest rates, charges, and fees. On XX/XX/2018, I called their listed customer service number ( XXXX ) in order to make an additional payment on my loan after they just debited XXXX from my account on that same date. I was told twice by the customer service representative during two separate phone calls that their stipulations stated that I could only make an additional payment if I notified them 3 days prior to my draft date. The representative told me that I would have to wait a whopping 11 days before I could schedule to make an additional payment. Meanwhile XXXX dollars and some odd cent in interest would accrue per day in addition to their other fees that Im currently being charged ( XXXX in interest + XXXX base fee ) I understand that pay day loans often carry super high interest rates and fees, but Ive never encountered a loan company, pay day loan, or otherwise that literally prevented a customer from making extra payments whenever they wanted to. 

What XXXX XXXX is doing is unethical and it cant be legal. XXXX XXXX is literally holding my loan hostage and preventing me from making any payments for 14 days, so their absurdly high interest rates and fees will pile up. This company should be shut down for their predatory practices on consumers. I urge anyone and everyone to avoid XXXX XXXX XXXX at all cost! No matter your emergency loan needs, XXXX XXXX XXXX is not the way to go!
Product: Checking or savings account

On XX/XX/2019 I received a letter from the Risk operations and Fraud Prevention Services informing me that they were terminating the banking relationship.
Product: Debt collection

My name is XXXX XXXX. 
I visited Mt XXXX XXXX center on XX/XX/2015 to get stiches on my forehead in the ER. 
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, Nationwide recovery systems from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.
Product: Credit reporting or other personal consumer reports

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXXCREDITOR : XXXX XXXX XXXX XXXX the account titled CCS Collections, Account # XXXX. Balance of {$0.00}. 

I have disputed this account directly multiple times with the bureaus in the past with no success. This is not my account but possibly my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. 

I did not open this account, nor incurred the charges and negative remarks associated with this account. Furthermore despite all the information provided to XXXX XXXX continues to attempt to collect on an invalid debt. 

XXXX through its collection efforts attempted to collect on an account that it was not allowed collect on. Through this conduct, XXXX violated 15 U.S.C. 1692d, 15 U.S.C. 1692e, and 15 U.S.C. 1692f. 

Through all the above-mentioned conduct, XXXX  is engaged in conduct that natural consequence is which to harass, oppress, or abuse any person in violation of 15 U.S.C. 1692d.

Through the above conduct, CCS violated 15 U.S.C. 1692e ( 2 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, thus containing a false impression of the character, amount, and legal status of the Debt. 

Through the above conduct, XXXX violated 15 U.S.C. 1692e and 1692e ( 10 ) by using false, deceptive and misleading representations and means in connections with the collection of an alleged debt by attempting to collect on a debt that has been paid and was not owed. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f by using unfair or unconscionable means to collect or attempt to collect a debt, a debt that it was not entitled to pursuant to the Agreement. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f ( 1 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, when it was not authorized to collect by the agreement creating the debt or permitted by law. 

The foregoing acts and omissions constitute numerous and multiple violations of the FDCPA. 

Please remove this account and any derogatory information associated with it from my credit report.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

The following inquiries are showing up on my credit profile. These are inquiries that were not authorized by me and that I have no accounts with. These need to be deleted from my credit profile right away. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/2022 XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

After pulling my credit report, I was made aware of an unauthorized debt appearing on my credit report via Comenity Bank/Victoria Secret in XXXX. Because I did not authorize the debt I contacted Victoria Secret and filed an identity theft affidavit with the Federal Trade Commission.

Comentiy Bank asserted the account was closed because of questionable activity after an identity document was provided by a fraudster which did not match the documentation on file. However, Comenity Bank/Victoria Secret is complicit in the fraud as they refused to remove the account from my credit report. 

In XXXX, I made the identity theft affidavit available to Comenity Bank/Victoria Secret. I also requested removal of the fraudulent account from my credit report. Instead of protecting my information and removing the fraudulent account Comenity Bank/Victoria Secret further compromised my personal identifying information and participated in DECEPTIVE TRADE PRACTICES by selling an account it knew was initiated via fraudulent means to a collection agency, more specifically XXXX XXXX XXXX. As a result, XXXX XXXX XXXX placed the account on my credit report in XXXX. At this point both agencies were violating Fair Credit Reporting Act by simultaneously and erroneously reporting the fraudulent account on my credit report Consequently, after I contacted XXXX XXXX providing them with my FTC identity theft affidavit. As a result, XXXX XXXX removed the fraudulent account from my credit report in XX/XX/XXXX. 

Unfortunately, Comenity Bank has refused to remove the fraudulent account from my credit report. Instead of Comenity Bank contacting the purchaser of the fraudulent debt to verify removal of the fraudulent debt, XXXX, a manager in Comenity Banks Charge Off Department, requested I obtain a letter from XXXX XXXX XXXX verifying removal of the account from my credit report. I obtained the letter and provided it to XXXX with COMENITY BANK/VICTORIA SECRET. 

Subsequently, after receiving proof the account was fraudulent via unmatched identification provided by fraudster prior to the selling of the fraudulent debt, FTC identity theft affidavit and letter from XXXX verifying the account is closed and removed, XXXX as a representative of COMENITY BANK/VICTORIA SECRET has refused to remove the fraudulent account from my credit report
Product: Mortgage

SHELLPOINT HAS ASSIGNED MY HOME TO FORECLOSURE WITHOUT RESPONDING TO MY QWR OR DEBT VALIDATION. THEY ARE ALSO GUILTY OF DUAL TRACKING.. I CONTACTED THEM ABOUT A LOAN MODIFICATION AND THE EMAILED ME A WORKOUT PACKAGE LESS THAN 60 DAYS AGO. I COMPLETED THE PACKAGE AND RETURNED. I ALSO CONTACTED XXXX XXXX XXXX AND APPLIED FOR ASSISTANCE. NEWREZLLC .DBA SHELLPOINT MORTGAGE SERVICING, SIMULTANEOUSLY PROCEEDED WITH FORECLOSURE WHILE COMMUNICATING WITH ME IN EMAILS AND PHONE COMMUNICATION ABOUT A LOAN MODIFICATION. THIS CLEARLY DEFINES DUAL TRACKING AND FEDERAL LAW RESTRICTS DUAL TRACKING.. I SENT A NOTICE OF ERROR AFTER 90 DAYS FROM SENDING MY FIRST QWR THAT I SENT XXXX XXXX. I ALSO QUESTIONED THE ASSIGNMENTS AND TRANSFERS FILED IN XXXX XXXX COURTS, THE ASSIGNMENTS ARE ROBO SIGNED AND FRAUDULENT. THEY HAVE NOT RESPONDED TO ANY OF MY DOCUMENTS. I ALSO HAVE BEEN PAYING PMI INSURANCE FOR OVER 10 YEARS AND THEY WILL NOT REMOVE IT OR ADDRESS ANY OF LETTERS CONCERNING THE PMI,, THEY REFEREED MY LOAN TO THE LAW OFFICE OF RAS FORECLOSURE,
Product: Credit card

On XX/XX/2023 my credit card was suddenly restricted. I reached out to inquire why and was told they sent a letter in XXXX to request proof of social security. I informed them I never received such letter and it does not reflect in my statement / documents tab in the app. They proceeded to email me the documents and I followed through with submitting the requested information ( ID, paystub, and social security card ) I was told by multiple agents that my documents were received and visible to confirm my social and will be reviewed by a team you can not communicate with within 7-10 business day. Several months has passed and its now XXXX and my account was closed with no Indication why. Throughout that time line I was reaching out every week for updates and keep being told theyre reviewing and not to worry as my documents were visible. After my account was closed I reached out again and was told that because they couldnt see all four corners of my id and social that it was not valid - this was not indicated as a requirement on the letter or by the agents I spoke to. I was advised to keep sending documents through their email portal and have not received any updates or response on if my account will be reopened
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Here is the account that needs to investigate and remove from my personal credit file : ARS ACCOUNT RESOLUTION - XXXX
Product: Credit reporting

XXXX is the servicer of a now-closed XXXX credit card in my name. On XX/XX/2017 they submitted a negative item to XXXX, claiming the account is XXXX days delinquent. I have experienced this issue with this company before and I won the claim. 
They claimed to have called me about an overdue balance multiple times from a number ending in XXXX. They have my correct cell number and I can show call logs from XXXX indicating no calls to me were ever made. I called an agent to rectify the balance and I caught her saying that they only mail letters about overdue balances ; they do not make calls to get the account current. This is in violation of the Fair Debt Collections Act. Consumers are to be made aware of delinquent balances using any means on file. 
The agent told me the account was 40 days late ; not the XXXX days being reported to XXXX XXXX Since I had no way of resolving the overdue balance prior to Elan reporting it to XXXX, I have been unduly burdened. I want the account reported as " paid as agreed - never delinquent ''. This company 's practices are not in line with legal collection efforts. Consumers must be given the change to rectify overdue balances prior to reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

The basis for my dispute previously was to let The Best Service Company know this account with them was opened fraudulently & have asked to cease reporting from all major credit bureaus & cease collection efforts. The Best Service Company then sent a letter asking to provide them with any documentation to support my claim. And would still violate my consumer rights I report this fraudulent trade line to all 3 major credit bureaus. Attached to this complaint is a copy of my Federal Trade Commission Identity Theft Affidavit as theyve requested from me.
Product: Credit card or prepaid card

Good Morning, I have a Caesars rewards Visa card with Comenity bank " The bank is a subsidiary of Bread Financial '' Customer Care Address. Comenity Bank XXXX XXXX XXXX. XXXX, OH XXXX I had a balance of XXXX on my card however, I've paid the entire balance as of XXXX XXXX That said, Comenity bank has not reported my credit since XX/XX/2022. I had several attempt to contact and ask them via phone why it wasn't reported but customer service always mentioned that they can't do anything about it. 

Following phone contacts with no results, I've sent messages to the customer service asking them to remove it but they responded back to me to call the customer service which was a loop of poor consumer relations and mishandling of the case. 

When I got a car loan in XX/XX/2022 this credit balance lowered my credit score and caused a higher interest rate. 

Fair credit reporting act 15 U.S.C. 1681-1681x clearly states that company should report credit in a timely manner. 

Appreciate your help on resolving this issue. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Keep increase credit limit to temptated me using the card. I finally overspent and couldn't even afford to pay the interest. Tried to talk to them nicely, but they refuse to help.
Product: Debt collection

XXXX/XXXX/XXXX XXXX XXXX said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company ERC the amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card through XXXX XXXX with a {$92.00} balance that was paid in XX/XX/XXXX through an escrow payment when we were closing on the purchase of our new home. In order to avoid late fees, I also paid the balance through the XXXX app understanding there would be a {$92.00} credit that would be reimbursed to me because the account was closed. I had not used the card in years and the {$92.00} charge was the yearly renewal fee for the card. My statements showed a {$92.00} credit in XX/XX/XXXX and XX/XX/XXXX. I received a {$92.00} check from them in XXXX and understood that completely closed my account because the balance was now at {$0.00}. 

In XX/XX/XXXX I received notice that I had a derogatory mark on my credit from and saw that it was from XXXX. After calling them, they stated that there was a {$92.00} balance from XXXX and could not answer any questions as to how that was possible. To avoid further damage to my credit, I pad the erroneous late fees totaling {$160.00}. 

Attached are the pictures of the statements that I received - there is a statement in XXXX and XXXX showing a {$92.00} credit to my account and {$0.00} available credit because the account was closed. In XXXX the statement showed a {$92.00} balance. I never used the card and it is impossible to go from a {$92.00} credit to a {$92.00} balance with {$0.00} available credit. 

I made a request to XXXX in XX/XX/XXXX that the derogatory marks be removed from my credit given that the charges they were charging me a late fee for were not ever actually charges made and that my account should have had a XXXX  balance after the received 2 payments for {$92.00} and refunded me one of them. They rejected my request with no supporting information. 

I also made the request to Experian and XXXX and they also denied my request. 

I do not even want the money back that I paid to XXXX for the erroneous late fees, I simply want my near perfect credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing XXXX XXXX XXXX from XXXX XXXX Experian is showing ACC. XXXX XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX Experian is showing ACC. # XXXX from XXXX Experian is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX, XXXX ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!