23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery is attempting to collect on a debit they purchased from XXXX XXXX. They claim the account number from XXXX XXXX is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with XXXX XXXX ended in XXXX. I paid the account in full XXXX of 2013. XXXX XXXX failed to properly record my payoff. XXXX XXXX tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to XXXX XXXX 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). XXXX XXXX 's counsel motioned for dismissal prior to trial and cased was closed. 

I have disputed the account, presented proof of payment to the courts and yet XXXX XXXX sold XXXX of the accounts to Portfolio. How many times must I be harassed over a paid account? 
I wrote Portfolio after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. 
If XXXX XXXX 's counsel failed to notify XXXX XXXX of the law suits outcome and or XXXX XXXX failed to notify Portfolio that is not my problem. 

Portfolio has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by best egg regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN. 
I agreed. 
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN. 
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior. 
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan. 
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.
Product: Debt collection

Repeated calling after a verbal cease and desist. Then called from a private number that they would call me every day.
Product: Mortgage

- My wife and I owned our home until XX/XX/2023 - We did a XXXX  loan assumption - We closed on XX/XX/2023, and the closing attorney told us we owed {$420.00} for prorated taxes, which we informed her was wrong because we knew taxes were supposed to be at least {$1400.00} per XXXX XXXX and per our lender, but she insisted the {$420.00} is all we needed to bring - At the time of closing, our escrow account had a total of {$2600.00} in it that we had been paying every month for the prior year as part of our normal mortgage payment - We did not receive this amount as a refund from PennyMac after closing - 4 months later, on XX/XX/2023, we received an email from the attorney with a bill stating we needed to pay her {$2300.00} to cover the difference in taxes - We informed her that that was fine, we never got our escrow refunded, so the buyers should have the {$2600.00} balance from when we closed to cover that excess - The buyers claim that the {$2600.00} did NOT come from our mortgage payments for the prior 10 months, even though the escrow statement they provided showed where we paid and the running total each month - We then received an email from the closing attorney saying she would pay the taxes for us and we could reimburse her- We told her no, because we don't believe we are responsible for that, because the {$2600.00} that was in escrow + the {$420.00} we paid at closing for taxes was more than enough to cover our portion - After being dismissive and wiping her hands from the situation, we received an email XXXX minutes later from her that said she is now representing PennyMac and their position is that we need to sign a new closing disclosure and bring a cashier 's check for {$2600.00} to give the buyers of the home That's about it, none of this makes sense to me and my wife. By my math, we are technically owed {$270.00} from this ordeal, but instead we have been told we have to pay an additional {$2600.00}, which was the balance in our escrow at closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies XXXX, XXXX and TransUnion are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the XXXX, XXXX and TransUnion companies, and they sell your private and personal information or spread wrong information about you!!! 
XXXX, XXXX and TransUnion are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
XXXX, XXXX and TransUnion are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
XXXX, XXXX and TransUnion track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX XXXX XXXX about a month ago about incorrect information reported on my account. A customer service representative stated my debt was paid off XX/XX/XXXX. My Equifax credit report is currently reporting six late payments From XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming the incorrect information but they have yet to correct with with Equifax credit bureau. I have disputed this item four times before this and they continue to report incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second attempt to get this issue resolved, my first complaint was on XX/XX/2022 the complaint number is XXXX. There are collections and inquires on my consumer report from companies that i did not enter into contract with and did not authorize to share my nonpublic information to Transunion and Transunion assembled a consumer report with said information, which according to 18 USC 1028 is fraud. By law Transunion is to exercise its grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. They are not doing so and are violating my rights not to have my nonpublic information being disclosed to the public. They also violated my consumer right to have these items blocked and deleted no later than XXXX days after receipt according to 15 USC 1681C-2.
Product: Mortgage

Subject : Unethical Practices by Freedom Mortgage Affecting Credit Report To Whom It May Concern : I am writing to file a complaint against Freedom Mortgage regarding their unethical practices that have negatively impacted my financial standing and credit report. I have been experiencing significant financial hardship due to a decrease in income, as I am currently a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Details of the Incident : Financial Hardship Application : In XX/XX/XXXX, I submitted all the necessary documentation to Freedom Mortgage seeking forbearance on my mortgage payments due to my temporary loss of income. These documents were uploaded to the company 's website, which indicated they were processing my financial hardship application. 

Lack of Processing and Communication : Despite waiting several weeks for confirmation of my inclusion in the forbearance program, I discovered during a call in the first week of XX/XX/XXXX, that no application was on file. I was informed my account was in default, and derogatory remarks were reported on my credit report. 

Impact on Credit Ratings : The actions taken by Freedom Mortgage have led to derogatory marks on my credit report, causing severe financial distress. 

Consumer Protection Violations : Real Estate Settlement Procedures Act ( RESPA ) : This act requires timely processing of applications for forbearance and other loss mitigation options. Freedom Mortgage 's failure to process my application and communicate effectively violates these requirements. 

Fair Credit Reporting Act ( FCRA ) : Reporting incorrect and derogatory information without just cause violates the FCRA, which protects consumers from inaccurate credit reporting. 

Request for Resolution : I urge the CFPB to investigate Freedom Mortgage 's practices to ensure compliance with RESPA and FCRA. 
I request the removal of any derogatory remarks on my credit report caused by Freedom Mortgage 's failure to process my application. 
I seek assurance that Freedom Mortgage will adopt transparent and ethical practices in dealing with financial hardship applications. 
Please treat this complaint as urgent due to the significant financial impact on my circumstances. I have informed Freedom Mortgage of my intent to file this complaint, and I expect their cooperation with the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This collection company claims that I owe a fraudulent debt that they purchased from the original creditor. This debt was already charged off as a bad debt, yet I have not received a 1099c for the cancellation of the debt from the original creditor. I reported this debt as fraud and have attached the FTC identify theft affidavit and the police report as well. I am asking for the third time for this fraudulent debt to be removed immediately. The collection company never notified me of them taking over this fraudulent account. Otherwise, I would have provided them with proof of the fraud that has occurred with the handling of this account. I reported the fraud to the original creditor as well. Please remove this XXXX, fraudulent, unverified, defamatory, misleading, credit hurting account immediately. You are on notice and i expect that this account be removed deleted or whatever the XXXX needs to happen to get this XXXX off of my XXXX  credit report. You stupid b! tches need to stop playing with me before I take this matter to litigation for the repeated harassment that is being directed towards me because Im a minority. If I was some XXXX  XXXX this XXXX woulda been removed let alone sold to a unknown third party without acknowledgment or consent. Yall better stop with the shenanigans. Where the XXXX is the signed agreement with my signature. I bet there isnt one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request an investigation for this account NATIONAL AUTO LENDERS XXXX. The bureaus are reporting late payments on this account which I don't agree. I do not believe I was late on the dates you are reporting. I highly recommend you deliver confirmation that the alleged account was in fact late so you have the necessary practices to make sure you accurately inspect your accusations. This account was reporting a balance of XXXX  and the status is already CLOSED.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX  To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$20000.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} INQUIRIES : XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX ( Original Creditor : ) XXXX Balance : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Eastern Accounts reported two debts on my credit report which are in collections ; one for {$72.00} the other for {$100.00} original merchant XXXX. I paid the {$72.00}, not knowing if I actually owed the amount, since I was unable to receive a bill for the charges. I contact XXXX, and they were unable to confirm that I actually owed {$72.00}. Nevertheless, I paid the {$72.00} for the sake of the having this account deleted from my credit report. To my surprise, the account was updated and marked paid as agreed, but I needed the account to be deleted, which I was told that it debt would be deleted once I made the payment. I contacted EA the representative stated the debt will not deleted the account from my credit report after I made the payment. The account for {$100.00} I was told was owed for XXXX equipment, which I returned to the company over two years ago. However Eastern stated they could resolve the issue and sent a letter for this debt to be deleted from my credit report. My point, these companies could rag your credit, place debt onto your credit report without your knowledge and yet do not want to remove the collection from my credit file. I truly do not understand this process or when the company was paid and paid without any proof of owing this debt. Please HELP this process is so unfair!
Product: Debt collection

I am being over-charged for medical services that I did not receive. I tried explaining this to the collection agency and they refuse to take my claim under consideration. They insisted on me paying the debt regardless of the fact that I was billed, along with my health insurance company, for services I never received. I did receive medical care XX/XX/XXXX thru XX/XX/XXXX, which during this time I did have health coverage through XXXX of XXXX TN. My only outstanding balance at this time was a little under a {$200.00}. I was then transferred to another physician per their request XX/XX/XXXX and in XX/XX/XXXXI received a bill from the collecting agency stating that I owed {$1000.00} far more than the {$200.00} that I knew was outstanding. I was receiving XXXX XXXX and I stopped being cared for by this physician in my 24th week. This doctor is trying to charge me for the remaining 15 weeks which no care was provided.
Product: Credit reporting

XX/XX/XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XX/XX/XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XX/XX/XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XX/XX/XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert XX/XX/XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that 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 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$77.00}
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Also Privacy Act of 1974, as amended, 5 U.S.C.C.S 552a.
Product: Bank account or service

Update : I spoke with a bank representative on XX/XX/2017 regarding same charges associated with this new/updated complaint. Representative submitted a partial fee refund of {$100.00}, 50 % of the fees acquired in the course of 11 days ( {$210.00} ). Since speaking with the representative I have incurred 2 additional {$35.00} fees totaling {$70.00}, after being told I should not expect any additional fees until XX/XX/XXXX. These fees were charged on XX/XX/XXXX and XX/XX/XXXX. In addition, I am currently in the dispute process with XXXX for unauthorized charges that were made on my account in the amount of {$130.00}. This charge was attempted to be deducted out of my checking account twice, was returned, and a fee of {$35.00} was assessed both times by Bank of America. I have documentation of this ongoing dispute. In conclusion, the call received on XX/XX/XXXX did not resolve my complaint in its entirety. I was under the impression that zero fees will be assessed after that call. Since then, 2 new fees have occurred. Bank of America continuously give inaccurate information. 

Imported from previous case opened on XX/XX/2017 : I am a long time Bank of America customer, starting off with this company with a Student checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Bank of America on XX/XX/2017 in regards to transactions made on my account between the dates of XXXX-XXXX. In the course of 11 days my account incurred six fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to 3 separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the BOA mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this " option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account six times ( three in one 24 hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.
Product: Credit card

I have a hard inquiry from XXXX/PPC on my credit file from XXXX/XXXX/2015. I never applied for credit from paypal but did have my bank account information stolen and money taken from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that 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 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$680.00} XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX Balance XXXX {$790.00} XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00}