23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this company is harassing me about a debt that i do not owe. I tried to contact the original company to have it remove but the debt was sold to a third party and i was also mistreated and misdirected in the entire situation. I do not owe this debt because i have never had a XXXX service of any sort. The fcra and the fdcpa both state that a third party collection agency must be able to present documents to verify anything that they are reporting on a persons credit report and failure to do so could result in fines and penalties in which i will seek for the damages this is doing to my credit reports and my scores. This company must have a copy of an identification card as well as a copy of a ssn card and a purchase receipt to show the exact item or service that i am being accused of buying and a signed original contract with my signature and tmobile agreeing to any debt to be paid etc or i will seek compensation for the problems this is causing in my life. This company is also very rude i tried to contact them but i was hung up on by an employee and that just made the situion even worst in my opinion because not only are they forcing unowed debts on me but they are disrespectful at the same time
Product: Debt collection

PHOENIX FINANCIAL SERVICES LLC in the amount of {$1300.00}. 
XXXX XXXX XXXX in amount of {$100.00}. 
XXXX XXXXXXXX XXXX  in the amount of {$6700.00}. 

The following accounts above were open fraudulently. According to FCRA, these must be removed.
Product: Checking or savings account

Financial Assistance Inc., on or about XXXX, furnished my nonpublic personal information to one or more unaffiliated third-party consumer reporting agencies ( such as XXXX, XXXX, and XXXX ) XXXX thereby violating federal laws and XXXX membership account agreement. 

With respect to nonpublic personal information, A financial institution Financial Assistance , Inc. which represents XXXX has an ongoing obligation to protect the confidentiality of nonpublic personal information of its customers.

Pursuant 15 USC 6802 Financial Assistance INC which represents XXXX, is required by law to give me 3 disclosures. I have checked all documents from Financial Assistance , Inc. given to me on ( XX/XX/2024 ) and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless certain conditions are met : 1. The institution must clearly and conspicuously inform the consumer, in writing or electronically, that their information may be disclosed to such third parties.

2. The consumer must be given the opportunity to opt out, meaning they can choose to prevent their information from being disclosed to such third parties.

3. The institution must provide an explanation to the consumer on how they can exercise this option to prevent disclosure.

Financial Assistance INC / XXXX knowingly, will fully and fraudulently withheld pertinent information to suite their own agenda, forcing me to comply illegally with reporting my non public personal information to a unaffiliated third party companies XXXX XXXX, XXXX, XXXX )
Product: Mortgage

I was notified that the flood zone changed on my property and that i had XXXXXXXX days to obtain flood coverage. I did so and uploaded the policy to the site they requested. 
Despite my doing so, i received a letter stating that flood insurance was force placed by the servicer. I called and confirmed that they did, in fact, have evidence of the flood insurance but they are saying there is a 'lapse ' which is absurd because i had no way of knowing that the flood zone changed and immediately obtained the necessary coverage. They will NOT provide evidence that the forced placed insurance was cancelled. They say it can take XXXX weeks to obtain such evidence which is absurd since I am expected to get flood coverage immediately. The consumer has to follow the timliness standard but the servicer does not? This is outrageous.
Product: Vehicle loan or lease

I bought out me leased vehicle through Audi Financial service in beginning of XX/XX/2023. After weeks passed I called regarding title status. They told me that they were changing title company 's and there was a 4 week delay. I have called and used Audi care website over a dozen times and to date still no title.
Product: Credit reporting or other personal consumer reports

In 2019 XXXX XXXX XXXX move out doing XXXX XXXX because house had water issues with property sinking section XXXX tenant. 

I completed a short sale submitted all documents to XXXX XXXX Obudsman email department and requested for Title Company to correct hud XXXX that was submitted to XXXX XXXX by email and never got a clear to close. 

So the buyer went to another deal during XXXX XXXX. People I believed was moved around not in the office at XXXX why never received clear to close. 

I have spoken with XXXX requesting to remove to mortgage out of my name because that was not my faught when we were ready to close and CFPB knows about it. 

I filed a complaint about this doing that time and the Atty that was handling the closing can vouch that he faxed what XXXX requested. 

I received a alert from Experian today that XXXX reported this mortgage XXXX past due XXXX XXXX and I have not owned this property since 2019 up until the tax buyer had to go ahead to deed because he waited a year to help me close on this short sale that XXXX new about. 

Everytime I spoke with them about it they continued to avoid taking this mortgage out of my name. 

Now all of a sudden they reported this mortgage on my credit today 180 days past due that is erroneous and they have records communication that I dont even own the house or the garbage as of today date which the person that bought the house just purchase the taxes on the garage and XXXX and the Investor XXXX new about that. 

It made no since for me to redemption of the garage pay taxes when the XXXX person who now own the house the tax buyer did not buy the garage and those taxes were just sold to that XXXX man that came by my house looking for me to help him out. 

I gave him authorization to speak with XXXX who was the investor and I could have sold the garage and received the same money {$30000.00} that the short sale was approved for. 

Again, no help from XXXX nor XXXX and I did not want to leave the XXXX man name XXXX hanging who bought the house and not the garage which had it's own separate property identification number. 

Now that redemption has expired now XXXX decides to put false information on my credit report which is a scam and I am not going to be the fall guy and I want them to remove what they reported derogatory off my credit report which took a hit XXXX points. 

That's not fair and deceptive advertisement.
Product: Credit reporting or other personal consumer reports

I received my credit report from Equifax and XXXX and noticed a charged-off account by XXXX account number XXXX I don't recognize this lender or account please remove the account immediately. by the provisions of the Fair Credit Reporting Act. I demand that the accounts and inquiries be removed. I understand under 15 USC sec 1681i ( a ) you must complete a reinvestigation with notice of this dispute. i also understand under 15 USC sec 1681c2 ( a ) a crediting reporting agency shall and must block and remove any information from my credit report that's considered fraud or identity theft. Reporting information with knowledge of error is against my rights. 15 USC 1681s-2 ( a ) 1B. This account was proven in XXXX municipal court that this account doesn't belong to me please remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Money taken by US bank without my knowledge or fair debt or any valid judgement US bank ignore disputed bank statement.
Product: Debt collection

In XXXX of last year I received a medical debt collection bill from a company called CMRE. The debt was for a medical bill issued from XXXX XXXX XXXX XXXX from an ER visit that occurred on XX/XX/XXXX. The total billed amount was {$740.00}. My insurance XXXX XXXX covered {$520.00} dollars of the total, leaving the allowed amount my provider could bill me at just over {$220.00}. However, once the debt was sold to collections, CMRE tried to bill me the total amount of {$740.00}, instead of the allowed amount of {$220.00}. I contacted CMRE by phone on XX/XX/XXXX to explain what had occurred, and that they were billing me the incorrect amount. They refused to listen, and continued to press me to pay the {$740.00}. XX/XX/XXXX I called CMRE again, and after some bullying from them, I asked for their mailing address so I could mail them a copy of the explanation of benefits from XXXX XXXX to clearly show proof I was being billed the wrong amount. I mailed a copy of the explanation of benefits to CMRE on XX/XX/XXXX via USPS along with contact information for my XXXX XXXX representatives and XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a new letter from CMRE that said they will not reduce the amount of the debt despite the proof of the error, and that they refuse to do anything more in regards to the issue. I have tried multiple times to resolve this with CMRE, I have sent proof that they are overfilling me for medical debt, and they do not care. It is my personal belief that they do not care about the actual amount owed, and are only focused in getting as much money from me as possible, regardless of legality or what has already been reimbursed from my insurance company. At this point I feel helpless to do anything, as they will not take proof of the error into account, and they know I have little recourse without outside intervention to assist me.
Product: Prepaid card

XXXX Attempted to purchase products on-line multiple times at XXXX with two separate AMEX Gifts Cards. Entered each cards number, exp date, and the security code into the respective boxes but with each attempt the payment was denied. 

XXXX Attempted to purchase products on-line at XXXX multiple times with two separate AMEX Gifts Cards. Entered each cards number, exp date, and the security code into the respective boxes but with each attempt the payment was denied.
Product: Debt collection

I am filing this complaint becasue Diversified Consultant Inc is attempting to collect a deby they are not legally able to collect and have reported it illegally to my credit report. I sent this company a letter asking for VALIDATION or PROOF that I ever signed a binding contract with them, but they responded with a letter stating that they validated the account with XXXX. Legally, my contract would be with XXXX and not Diversified Consulatnats Inc, and per FCRA, they are obligated to remove their negative account from my credit report. I will be sending a second letter fiving them another chance to properly validate this account with me and not with their third party client.
Product: Mortgage

On XX/XX/XXXX, I contacted Mr. Cooper to request a reinstatement figure so that I can make the decision to reinstate the account. I spoke with XXXX and she advised that the request was submitted and i would receive my request within 3-5 business days. On XX/XX/XXXX, i called back since I had not received anything, and XXXX advised that it was actually re-ordered with the Attorney Fees that same day and I would need to wait another 3 days. Again, I called on XX/XX/XXXX since I still had not received anything and XXXX shared the reinstatement amount with me verbally, however requested that I still get it in writing because I wanted to compare to the post petition payments I had been paying on under the Chapter XXXX. I received nothing. Yet again, I called on XX/XX/XXXX and spoke with XXXX, who then informed me that the request had to be submitted in writing and i would need to fax it to a direct fax number in which i did the very same day. As of XX/XX/XXXX Mr. Cooper has confirmed to have received my fax and my  verbal request. Today is now XX/XX/XXXX and I still have not received anything. At this point, my account is just accumulating and I just want to be able to get this taken care. I really need your assistance in getting this information. No one there seems to be able to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX & XXXX XXXX XXXX XXXX {$110.00} XXXX & XXXX XXXX XXXX XXXX {$960.00} XXXX & XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Mortgage

Shellpoint bought my home loan from XXXX XXXX XXXXXXXX in XXXX. They sent a letter stating XXXX  XXXX XXXX is the owner of the loan. Ive been making payments to Shellpoint. XXXX  XXXX XXXX has closed my loan. Shellpoint has undisclosed policies. They took my payment and put it towards the home principal without disclosing the information. The situation was in a previous complaint. Please review the previous complaint against Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a call with Launch Servicing prior to XX/XX/2022 I was told by a representative that my payment was still needed from XXXX. I initially called Launch servicing to complain about there lack of communication and clarity on my new loan, but all was fine. On this call I was ready to pay for my previous and upcoming payment, but out of time convenience I asked the agent if I can the next day. Paying on this phone call was no issue and my bank statements/ available liquidity on file during this call would prove this to be true. Unfortunately, the Launch Servicing agent told me it was no issue of me paying the next day, assuring me I would get no late payment on my report as long as it was done by then. Even doubling down explaining that they would grant me a 1 time removal of generosity if the system was to flag me. The next day I placed the payment and was hit with a late payment on my report ( my first ever late payment and my credit dropped nearly XXXX points over night. I was XXXX years old with a huge focus on building my credit and have done everything for this to never happen ). When I called Launch Servicing the next day they told me they ended their " 1 time removal of generosity '', the day before being the last day, also the day I first spoke with them and was given the reassurance. This is unaccepetable and unfair to me quite frankly and I have everything documented that proves the negligence toward me as a first time borrower that has never had a late payment. I have been back and forth with them now for 8 months and neither XXXX or Launch Servicing seems to care about the situation. Please help this is my first, only, and a false late payment which affects my credit greatly. 

Im unable to upload any files so i uploaded them to this XXXX XXXX that you can view with this link : https : XXXXXXXX XXXX
Product: Mortgage

I received a bill from PennyMac for XX/XX/year> for {$730.00} and I payed {$730.00} Which is in suspense and as of this billing to day it is still in suspense. The amount I should have been billed by the company was {$760.00}. On XXXX. XXXX I payed {$820.00}. XXXX, which was the {$760.00} for XXXX. {$33.00} owed for XXXX. {$23.00} Late fee for a total of {$820.00}. This not the only problem I have been having with this company about my loan. They have never returned the funds that have been my Escrow account after the insurance and taxes have been payed, which amounts in {$100.00} 's of dollars over the period tht they have this loan after buying it from XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

If Equifax can not provide documentation of the wet ink signature for the original contract for the accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Dept of EDXXXX please delete the accounts.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote XXXX XXXX and Experian to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail.
Product: Credit reporting or other personal consumer reports

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the payments were made on the account, the payment history is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit card

Due to not receiving my updated card, I reported it as lost. I was sent a new card with a new number. In both XXXX and XXXX, I received promotional balance transfer offers that were linked to my old card number. In the FAQs on the offer document, it states : " XXXX : If I recently had my card replaced because it was lost or stolen, can I still take advantage of the balance transfer offer? 
A : The balance transfer checks associated with a lost or stolen card are no longer valid and should be destroyed. However, you can still transfer a balance by calling the number on the back of your card or visiting XXXX XXXX I contacted Chase on XX/XX/2024 and was told by a supervisor that there was not a balance transfer offer, despite my calling about a promotion that I have received in the mail the prior week. Although the deadline had not passed, I was told that Chase frequently discontinues balance transfer offers without notifying the customer. I contacted Chase on XX/XX/2024 since I received another balance transfer offer that day in the mail. I was told that despite having the mailed offer in hand, there was no offer that they could see on their end and therefore they could not allow me to do a balance transfer.
Product: Debt collection

On XX/XX/XXXX, National credit system sent me a validation notice letter regarding a debt owed to their clients the XXXX XXXX XXXX One for {$600.00} account number XXXX and the second for {$7500.00} account number XXXX. The letter stared that I have until XX/XX/XXXX, to dispute all or part of the debt. Please see PDF exhibit 1 and 2. 

On XXXX I responded by certify mail requesting for a validation letter. Exhibit 1 and 2. According with the tracking number attached they received the letter on XX/XX/XXXX. 

On XX/XX/XXXX, I received another letter from national credit system stating that they want to resolve this issue if I pay 50 % of the debt. I responded asking for a validation letter. Please see exhibit 3 and 4. They should receive the letter according with the tracking by XX/XX/XXXX. 

On XXXX XXXX I got an alert in my credit report that national credit system has reported the accounts as derogatory to the three major bureaus ( XXXX, XXXX, XXXX ). The same day I called XXXX, XXXX, XXXX to begin a dispute. 

The same day I contacted the national credit system to request to remove the mark until the debt has been validated. They said that they have been trying to contact me since XX/XX/XXXX. I never received any letters, phone or electronic message before from the national credit system or their client ( XXXX ) regarding this debt. They were very rude and unprofessional. I was constantly interrupted by the agent, making it impossible to communicate. He took my e-mail address and stared that they will e-mail me a validation letter in 24 hrs. Until this day i have not received any correspondence from them. 


On XXXX my husband received a letter from them regarding the debt. They stated in the letter that they will soon report this account to the credit bureau if he did not respond asap. Please see Exhibit 5. 

I want to mention that my husband ( XXXX XXXX ) was never contacted before regarding his debt, never did he receive a validation note, a phone call or an electronic notice. We requested a validation letter. Please see exhibit 5.

We did not know about those charges ; we were never contacted by the XXXX XXXX regarding this debt before it went to collection. rented for them for 3 years and we always paid on time.

I want to mention that we were approved for a mortgage loan, and we will be closing at the end of XXXX. I am afraid we won't be able to close due to their allegations. Please let us know if you can help us. 

Thank you so much.