23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit report and there was a debt collection account that showed up that appeared to be a debt that was well over 7 years old. I disputed it with the credit bureaus and it came back as " verified. '' Since I never received notification from this company, I sent them a debt validation letter and dispute letter to the address listed on my credit report. 
The letter was returned un-deliverable by USPS, it says the building is vacant. So the address listed on the credit report is 100 % inaccurate. How did the credit bureaus " verify '' this account if it's not possible to get hold of them via mail? 
This company is reporting debt that is over 7 years old, their contact information is not correct on my credit report, so it's impossible for me to reach them to deal with this matter. This is not legal.
Product: Credit reporting or other personal consumer reports

I contacted Transunion today XX/XX/XXXX to inquire about these inquiries that are on my report. 
They stated I had to submit XXXX letters and contact the company, I do not feel I need to contact anyone, because I did not apply for any of these services and they should not be on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX owner of my XXXX grand mothers home. Her legal address of the subject property is XXXX XXXX XXXX XXXX, XXXX Fl. XXXX. I sold the home to the same purchaser over 12 months ago. From that time the bank without my permission accessed the home with their preservation team, cut down and mowed down thousands of dollars of plants and trees after we called the police twice, filed reports and my realtor notified their preservation team and their contractor MM mortgage. From that time the bank has agreed to a settlement for damages but Im waiting for them to settle. Furthermore the bank came back with a very inflated counter offer to the purchaser which was unsubstantiated from an appraisal standpoint. The purchase offer is {$260000.00}. The bank came back at {$330000.00}. Which I refuted and worked very closely with XXXX XXXX department head XXXX XXXX for over 3 1/2 months getting their own contractors bids to show there is over {$120000.00} worth of structural repairs needed for the property including roof decking, shingles, termite damage, under ground plumbing damage, mold, flooring, upgraded electrical service, kitchen and bath room remodeling etc. The 1st appraisal showed {$25000.00} in upgrades at the {$330000.00}. Price. Ounce we established the Home needs over {$120000.00}. As per Bayveiws own contractors bids, the bank still refused to reduce the price to meet the buyers offer. Can you please help me!!!!! 
Obviously something is very ascew. 
Thank you, XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX I realized fraud account mixing with other account and sent dispute to Equifax. I escalated the complaint to FTC Report XXXX XXXX is inaccurate and is in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that this account opened this item be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must remove until it can provide all the evidence. Equifax has failed to meet its statutory duties under sections 1681 i ( a ) and 1681 e ( b ) and continues to willfully violated the FCRA of reporting false information and did not delete the fraudulent account. Under the FCRA Section 15 U.S.C. 1681s, this account is in civil litigation against Equifax for fraudulent and unauthorized deceptive practices being committed on their behalf for simply making only cursory investigation into the reliability of information which has harmed me against getting a 2nd mortgage and ridiculously high cost of credit Here are the details of the account : XXXX XXXX XXXX XXXX XXXX Allegedly Opened date XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX SYNCB/HMDS C/O M XXXX XXXX XXXX XXXX FL XXXX Subject XXXX Debt Validation Request for Account Number XXXX XXXX XXXX  I am writing in response to your recent communication dated XX/XX/XXXX regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( XXXX  ), I am requesting that you validate this debt and provide documentation to prove that I am legally obligated to pay it. 
Specifically, I am requesting the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt, including a breakdown of all fees, interest, and payments. 
XXXX. Proof that you are authorized to collect this debt. 
XXXX. Copies of any documents that show I agreed to pay this debt ( e.g., the original signed agreement or contract ). 
Until I receive this information, I am requesting that you cease all communication regarding this matter, except to provide the requested validation. Additionally, please ensure that you do not report this debt to any credit reporting agencies during this validation period, as doing so would be a violation of the FDCPA. 
If you can not provide the requested documentation, I respectfully ask that you stop collection activities and remove any references to this debt from my credit reports. 
Please be aware that this letter is not an acknowledgment or acceptance of the debt. I reserve the right to file complaints with the Federal Trade Commission ( XXXX  ) and my state attorney generals office if I believe my rights under the FDCPA have been violated. 
I look forward to your prompt response. Please send the requested information to my address above. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a payday loan for {$400.00}. Every week thereafter they took payments from my checking account. The initial payment of {$85.00} was taken on XX/XX/XXXX and each Friday after that they took {$60.00} until XX/XX/XXXX. The total that they received in all was {$450.00}. XX/XX/XXXX, I was notified by the company that they were unable to take their payment. I responded on XX/XX/XXXX by letting them know that I was currently unemployed and didn't not have any income at this time and that I would like them to stop attempting to take the funds from my checking account. I asked them to consider the loan settled because they had received {$450.00}, that payday loans are in fact prohibited in the State of Maryland and that there is an interest cap in Maryland of 2.75 %. I also asked them to stop any collections activities. Their representative XXXX XXXX ( XXXX ) replied stating that the automatic ACH has been stopped and that I have a balance of {$960.00}. She offered me a settlement of {$720.00} ( 75 % of my " total balance '' ). She also stated that I should make arrangements to pay the loan off If I didn't they would proceed with collections activities and that I would be responsible for any court fees assessed. I replied and stated that I would not be paying that amount and that I would be bringing this issue to the attention of the FTC and the Maryland Consumer Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 years beyond the FCRA Date of Compliance. Under FCRA 609  ( a  ) ( 1 )  I did request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance a s  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from  XXXX   XXXX   XXXX  and at th at time re -- aged  the terms of the loan which is illegal and is being reported to the CA State Attorney General, BBB, and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit XXXX agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX BANK in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 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  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: Debt collection

I have recently become completely XXXX  due to XXXX. I am a XXXX XXXX XXXXXXXX Veteran receiving SS fir the inability to XXXX I contacted all of my creditors earlier in the year to make them aware of my health issues and inability to meet obligations. I mentioned the terms in regards to payment hardship due to XXXX and was ignored. Instead, the debts were sold to the company " XXXX XXXXXXXX XXXX ''. This company has now added collections to my credit report with a complete disregard to any requests for payment modification due to XXXX. There has been no interaction, only notice of debt owed on a credit account that should have initiated a payment modification due to XXXX. I have never been so let down by my country and predatory collection agencies such as this. There are 3 collections in the amounts of {$110.00} ( XXXX XXXX  ), {$1500.00} XXXX XXXX XXXX  ), {$1200.00} XXXX XXXX XXXX XXXX These companies ignore any request for hardship or XXXX modification and instead sell off to creditors that don't seek information on an account, only add collection. Avoid XXXX XXXX, XXXX XXXX XXXX XXXX XXXX if at all possible. They will not help you, nor send original credit contract terms showing the resolution in case of XXXX.
Product: Debt collection

*See 5 Attachments Client Services Inc . Mailed me a Form creating the impression that I owe them for a debt. Within that form is multiple FDCPA violations and i have marked and noted them on the form and included it as an attachment!
Product: Credit reporting or other personal consumer reports

CFPB, I have brought Forward the XXXX Attorney General about this matter about settled account with XXXX XXXX XXXX XXXX XXXX that account was a charge off and should have never been on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in XXXX XXXX 's response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, XXXX XXXX 's reluctance to correct a XXXX problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see XXXX XXXX reporting of 60 days late in XX/XX/XXXX to Experian and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? XXXX XXXX is manipulating a XXXX  problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. 

The plaintiff/homeowner has submitted payments through the XXXX XXXX automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by XXXX XXXX. 

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.
Product: Credit card

I applied for XXXX benefits, and my application was denied with made up reasons. I've been enlisted way before this account was opened.
Product: Mortgage

Hi My name is XXXX. I am a XXXX year old senior citizen who has been trying to get help from lender to with hope that I am able to stay in my home for the last few years I am here on earth. This issue has gotten so bad with my lender trying to take my house that my niece and her family more in with me and reach out to get me help from a third party.

At the time I hired the third party I had a sales date or XX/XX/XXXX 2017, they submitted an application on my behalf to my lender XX/XX/XXXX 2017 at which time I was sent a letter stating they had received my file, there was a second letter sent on the same day, saying my only option was to reinstate my loan or cash for keys. They told my third party that my file would not be review after it was received because of the sales date on my property of XX/XX/XXXX17. I live in New Jersey so I was able to get a 30 day postponement from the sheriff's department which give my lender the time they need to review my file. My sales date has been extended to XX/XX/XXXX 2017. My third party called XX/XX/XXXX17 to follow up on the status of my loan modification and my servicer said they were not able to review my file because of a 37 day rule set by the Consumer Financial Protection Bureau. Please remember they have had my application since XX/XX/XXXX 2017, over 37 days now. 
My servicer said they sent me a letter on XX/XX/2017 saying they reviewed me for all options and the only option available to me is cash for keys because of your 37 day rule. Please help me! Don't let them steal my home.
 Thank you 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, MECHANICS BANK, on XX/XX/2019, XXXX XXXX and on XX/XX/2019, XXXX XXXX XXXX XXXX XXXX ( the report does not include information about this creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or anything from original creditor or the debt collection company. The original creditor did have my correct mailing address.
Product: Money transfer, virtual currency, or money service

XXXX XXXX there was a transaction off my PayPal balance XXXX I was having part of each weeks paycheck deposit into PayPal due to my wife and XXXX kids being in XXXX  in XXXX XXXX  with her mother and sister for the summer. She and my kids were living at her moms apartment in XXXX. So when I had a transaction for XXXX XXXX XXXX post to my PayPal account for {$480.00} I asked my wife if it was her and what for. She didnt respond the first day due to her losing her cell phone at XXXX  XXXX  and later in the day activating service on a phone her mom gave her so she could try locating her device. Sometime between her losing her phone and getting a replacement her phone was used to do this transaction. So I began disputes with PayPal. We found out XXXX  is actually a company that my wife hd an app on her missing phone that she had signed up for a credit builder card but rhe app apparently also did hotels which she found out when she contacted their customer service to report the issue and fraud after PayPal initially declined support for the issue. 
My wife has screenshots with time stamps and date of conversation with XXXX  which is the name of the app. They directly told her they could not do anything about the fraud that occurred and to contact PayPal to have them do a fraud chargeback. So I had to redo tact by phone to get a new dispute open due to them denying fraud on the original dispute that was also mislabeled by their system. The new dispute got to a couple days before it would auto close in my favor and the XXXX  or XXXX  or whatever new name they go by reaponded. The customer service department for XXXX  emailed my wife and then the PayPal dispute was closed again in their favor. I reopened a3rd dispute and its again been denied as fraud but the other company just keeps telling my wife they are investigating. This was MY PAYPAL not my wifes and even with us doing everything down to even providing messages between each side PayPal still closed the dispute for not fraud. This was $ for rent and bills. It was meant to help us get into a new house so my wife and kids could come back to XXXX XXXX and not keep living in hotels. PayPal will not provide information on how theyve decided it wasnt fraud, they wont refund our money and neither will the other company but we did find on my wifes credit report that the credit builder account she had is reporting as an open line of credit for {$5000.00} but she only ever put {$20.00} on it once and never got the physical card which she had even messaged them about before. The newest dispute was closed as of today XX/XX/17 as far as my messages show. They were investigating and then never contacted or asked for anything just decided it wasnt fraud.
Product: Mortgage

XX/XX/XXXX got a preapproval letter from CHASE BANK for $ XXXX and a credit score of XXXX. Went under contract. Sent every doc they needed : 2 years taxes, bank statements, property taxes, everything! Everything went smooth. Day 10, we tried contacting our loan officer XXXX XXXX. Over 15 calls, emails, and texts. On day 14 she responded and told me I was denied based on 2 years of taxes showing a loss. I explained that I made $ XXXX in XXXX so I was confused, and I'm on track for another successful year in XXXX. XXXX I showed a loss for a remodel on my rental, which is now generating a great income. She didn't want to explain anything. I called my accountant, and he also said I showed a large profit in XXXX, and I had him send me the taxes he sent to her to look myself. We were right, I showed a profit for XXXX, and a small loss in XXXX. I have no other debts. None of this makes sense. I asked her if I could have a co-signer and if that would work, and she flat out said no, they won't loan us money no matter what. I have sense asked for reasoning, messaged her manager XXXX, emailed her, text her, and she hasn't responded to anything. I deserve some sort of answer. I did find a new lender the next day, with no issues on my income, but now the interest rate is much higher since we were 16 days later. I was locked in at 6.8 %, and now looking at 7.4 % which is the best rate today. I want answers, I feel I was 100 % discriminated against for my age.