23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Now you know good and XXXX  well this item does not belong to me. Honestly, it is ver y stressful to have to keep going back and forth. Now I do apologize for my nasty language. However, who is training you? I would really lik e to know. I have expressed to you as best as I could the red flags with this tradeline on my report and still... There has been no concrete evidence of investigation or validity of this item to me. Now I know i am not a genius but I am aware that if i ask for proper paper trail of your investigation the n by law you are to send me the documents. I am just a hard working mother trying to do the right thing for my family. also i pointed out the data that has been being reported on my report and no update. what is up wit h that?? you are reporting one thing but the bank statements you send which is solid proof has different details. like please mae this whole situation make sense. Ever sense I realized this false item on my report it has been stressful. you dont provide me with concrete evidence, you do not update info, you send the same bank statements, and you do not give a proper response. all im asking is for the false itme to b deleted. Do you realize my confidential information has been potentially blended with another individual?? I knwo it has to happen considering everyone in the US with credit. Can we just please resolve this situation and have the account delted. I pay all my currrent cards on time so why would I not pay if it was mines? also all of my credit cards are under {$400.00} except the authorised user from my father. it just doesnt add up. i want to buy a house in the next couple of months and the lender im connected with has already told me my interest rate will be higher if i do not have a nice profile. im just really want to create a better lifestyle for my family. i know that obstacles come to everyone in life but geez the timing is horrible and why do i have to pay something i dont even owe? from the looks of it it doesnt seem you can verify that i owe what you say. i just want to get this item delted and move forward with life. can someone please help?
Product: Debt collection

Collection appeared on credit file. Ive contacted NATIONAL CREDIT ADJUSTERS LLC to provide a validation of debt. No information has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a premier member with Experian credit monitoring. This includes credit reporting updates, protection, quarterly XXXX  and XXXX  reporting and updates. How I havent received satisfactory or no reporting in all these areas since XX/XX/XXXX. In addition because of the insufficient monitoring I was a victim of identity theft at least 5 times since XX/XX/XXXX. Finally Experian maliciously and negligently reported excessive declines in my FICO scores from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX. Henceforth, after receiving extremely derogatory on a stolen XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, I promptly filed my complaint even though Ive been monitoring the huge gap in Experian FICO score as XXXX ; XXXX  as XXXX ; XXXX  XXXX. To date Experian has also blocked my ability to file disputes with XXXX XXXX XXXX and XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted XXXX requests to remove all addresses from credit report that are old and not deliverable by postal mail per the fair credit reporting act. They have not removed my information despite the XXXX requests made to XXXX XXXX and equifax. They also have not removed inaccurate information pertaining to my name. 

I am also requesting an updated copy of my credit reports for my review as proof they have complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in XXXX I place a call to Target credit card. I ask the the Target Rep if I can skip a payment for XXXX due to the Covid 19. The Target Rep said she could help me with my situation. Then in XXXX I went online and paid my Target Account in full and thought nothing of it, until I went on my XXXX account and notice my credit score drop by 62 points. As it happen Target report me late on my payment and I was penalized for it. I call Target again and I talk to a Rep named XXXX I explained to her what had happened and she explain to me that she showed no records of me calling. We discussed my situation for a while and she said there was nothing she could do for me. So Im stuck with a negative credit report. Unfair
Product: Debt collection

I am being sued by Midland Funding LLC, who claim that they purchased XXXX of my alleged debts from XXXX XXXX. Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Midland Funding LLC, however, Exhibit A is blank as the accounts were Redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Midland Funding, however there is no mention of any accounts. 

They have also included XXXX statements, seven months apart, from the original creditor. However nothing shows how the alleged amounts were calculated.
Product: Mortgage

We, XXXX XXXX XXXX and my husband, XXXX XXXX XXXX XXXX want to complain about our mortgage company , The Money Source, using predatory collection. This is our situation : We just finished paying a {$41000.00} XXXX  XXXX bankruptcy plan. 
During the plan, we fall behind with our mortgage payments. Our mortgage company , The Money Source took our case to court, and the court order that we pay a total of {$13000.00} in arrears. We paid that amount in three installments : {$1100.00} in XX/XX/2020, {$1100.00} in XX/XX/2020. The balance we paid with two checks totaling {$11000.00} on XX/XX/2020. 
After that, the monthly statements we received from The Money Source were very confusing. They always displayed a ( big ) balance still due. I made all the payments by phone, and I would ask the operator how much we really owed, if we still were behind in payments, which we were sure we were not. I was told every time that we were fine. Then we started getting letters saying we were behind and that we were going to get foreclosed. I called their collections department on XX/XX/XXXX, to get clarification. I spoke with a collections - our account is in collections! - representative who explained to me that we owed one month, plus {$920.00} fees in " corporate advances '' incurred for several visits to our home by investigators to make sure we were still living here (!!! ). I explained to her that we, my husband and I, believed we were not behind, because we have been paying faithfully after we paid off the amount in arrears. She said we were behind one monthly payment ( {$2300.00} ) plus the {$920.00} " corporate advances '' fees. Both me and my husband are very upset for getting this warning of foreclosure letters. We paid the amount in arrears, besides having to pay the IRS $ XXXX in back taxes. And this The Money Source company is not helping by sending us predatory letters, using the " foreclosure '' language.
Product: Credit reporting, credit repair services, or other personal consumer reports

acct with XXXX  XXXX XXXX XXXX is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from XXXX XXXX XXXX was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Product: Mortgage

THIRD FEDERAL SAVINGS & LOAN IS SERVICING THE SOLAR PANEL LOAN. I WAS TOLD THE SOLAR PANELS WOULD BE PAID THROUGH MY LOAN, WHICH IS NOT THE CASE. I WANT TO PAY THE LOAN OFF AND HAVE ASKED FOR THE PAYOFF DEMAND NUMEROUS TIMES. SINCE I WAS UNABLE TO OBTAIN A PAYOFF DEMAND FROM MY LENDER DIRECTLY I ASKED FOR ASSISTANCE FROM THE THIRD PARTY REFINANCING MY HOME TO PAY THIS LOAN OFF. MY THIRD PARTY IS GOING THROUGH THE SAME THING I WENT THROUGH AND THAT IS THAT THE SERVICER IS REFUSING TO SEND OR PROVIDE US WITH THE PAYOFF AMOUNT. I HAVE ASKED FOR THE PAYOFF DEMAND TO BE SENT TO ME VIA US MAIL, FAX AND EMAIL AND NONE OF THESE METHODS HAS WORKED FOR THE LENDER AS I AM YET TO RECEIVE MY PAYOFF DEMAND. 
THEY PLACED A SALE DATE OF XX/XX/2022 AND ARE AWARE I HAVE THE LOAN APPROVED AND SIMPLY NEED A PAYOFF DEMAND. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED. ATTACHED IS PROOF WE HAVE ASKED FOR PAYOFF DEMANDS AND CONTINUE TO WAIT FOR THE DEMANDS. THE PAYOFF DEMANDS HAVE BEEN REQUESTED IN WRITING AND NOTHING HAS BEEN PROVIDED AS OF YET.
Product: Mortgage

I was under covid forbearance for my mortgage with Navy Federal. I discussed options with them to come out of the forbearance and resume normal payments on my mortgage in XXXX. The loan modification option they provided would remove the interest charges that occurred during the forbearance period and roll in any missed escrow payments back into the loan, which I agreed to, total loan amount would be ~ {$320000.00}. I was told the paperwork would come in the mail, which it didn't. I called Navy Federal in XXXX to request an update on the process and was told it was sent to my email and would have to be redone. Even though I had talked to Navy Federal representatives several times over the passed two months on other matters, my mortgage account was never mentioned. After going through the options again with Navy Federal, I once again agreed to the loan modification and was told to watch for an Email from Navy Federal. I received the email a few days later and it was to resume my payments and a lump sum payment of any missed payments due at the end of the loan, which I didn't agree to. This time the amount due was ~ {$310000.00} with a ~ {$39000.00} final payment due at the end of the loan. After calling Navy Federal again, they realized the mistake and processed the loan modification request. This time the amount due on the loan is ~ {$340000.00}. After calling Navy Federal again, I was told they were no longer removing the interest charges that occurred during the forbearance and that this is the only option they would give and the additional {$34000.00} added to my principal balance was for escrow, interest charges and late payment fees. The representative refused to assist in any way and just repeatedly stated there's nothing that could be done and I missed my opportunity to agree to a lesser amount, effectively holding my house XXXX over me, either I agree or next steps will be taken against me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the reporting of an account listed under XXXX, with account number XXXX, on my credit report. The reporting of this account contains multiple inaccuracies and potential violations under 15 U.S. CXXXXe XXXX  ( Fair Debt Collection Practices Act ) and 15 U.S. CXXXXe XXXXb ( Fair Credit Billing Act ). 

Dispute Details : XXXX. Violation of 15 U.S.C. XXXX ( FDCPA ) Unfair Debt Collection and Reporting The account is listed as charged off and purchased by another lender ( XXXX XXXX XXXX XXXX. ), yet there is no documented validation that the alleged debt amount is accurate or legally enforceable. 
Under 15 U.S.C. XXXXg, debt collectors must provide proper validation of debts upon request. No such validation has been provided. 
The balance is listed as {$0.00}, yet the comments indicate an unpaid balance reported as a loss. This contradiction suggests misleading or inaccurate reporting, a potential violation of 15 U.S.C. XXXXe ( XXXX ) ( False or misleading representation of debt ). 

XXXX. Violation of 15 U.S.C. XXXXb ( XXXX ) Improper Handling of Billing Errors The account was reportedly sold to another lender, but no notification was provided about the transfer or my rights under the Fair Credit Billing Act to dispute the charge before it was reported as a charge-off. 
If the account was transferred, the original creditor must ensure that any balances are accurately transferred and reported consistently across all XXXX credit bureaus. 
The creditor or collection agency has failed to provide documentation confirming the legitimacy of the transferred balance, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance Owed {$16000.00} ; XXXX XXXX XXXX / XXXX XXXX Balance Owed {$450.00}.
Product: Debt collection

I am NOT in the collections process for ANY of my current debt. If I am, No One has made me aware of it. I have been getting these calls Only on my cell phone and very few people have my cell number as it is only used for an emergency or very few personal calls. If it were a legitimate debt then they would be contacting my by other methods as well, not just my cell number The calls have been coming in for about 4 weeks now and are from Aargon Agency telling me to call the person stating " They are a debt collector '' and to call XXXX and ask for extension XXXX. I have Not returned the calls and do not plan to without first hand knowledge of whom I am in collections for.
Product: Payday loan, title loan, or personal loan

As consumer and natural person, was denied when I applied for credit by CITIZENS BANK, N.A on Loan Number ending XXXX XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C XXXX. 

CITIZENS BANK, N.A are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by CITIZENS BANK, N.A. due to the response I received. CITIZENS BANK, N.A is in violation of 15 U.S.C Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of CITIZENS BANK, N.A. I, the " consumer '', '' principal ', " surety '' '' beneficiary '' of the application. The loan should've been approved.Citizens One XXXX XXXX  also monetized the application. 
Citizens., NA XXXX XXXX  is in multiple violations.15 U.S. Code 1602 ( i ) in regards to using my SSN which is a credit card. The application that was filed is also being securitized and proceeds have been made without my knowledge. 

15 usc 1601 ( TILA ) Credit 15 usc 1692 ( FDCPA ) -Debt 15 usc 1681 ( FCRA ) -Consumer reporting/reporting/reports.

15 usc 1691 Equal Credit Opportunity Act Aka Discrimination from your creation.
Product: Debt collection

I recently pulled my credit report and noticed that there 's a collection from the agency. I have never been notified of this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. XXXX   and XXXX both sent me results without documentation saying that the accounts meet FCRA requirements. Equifax sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX  XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
Thank you!
Product: Debt collection

CREDENCE RM {$590.00} Account # : XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : Listed above These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough investigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfers

Website transaction to purchase a laptop computer. 
Website credit card transaction failed, so operator provided Paypal link which was made debiting a XXXX credit card. 
The website is bogus and no product was shipped. 
Paypal classifies this as NOT a transaction for a product or service and will not provide dispute resolution. 
This website still exists more than XXXX weeks later and these people are still taking victims ' money and Paypal is providing them the means to do it. 
I have screenshots of the transactions and made a copy of their website at www.crazifire.com for reference. 
Paypal is complicit with this theft by not warning victims that the transaction they are about to authorize is NOT for a product or service and is NOT eligible for dispute resolution. 
Type of fraud : bogus website selling products that are not shipped : XXXX XXXX transaction facilitated and protected by Paypal.
Product: Debt collection

Dear CFPB : On XX/XX/2018, I received another letter from the Debt Collector Company Inc. Saying to my self on there letter that I have one Amount to be paid and also that I have Various other Accounts to be paid also. this debt collector keeps calling me 6 to 7 times a day. And if i can not be reached on my cell phone number they call me at home. I explain to them to please to DO NOT CALL ME NO MOE.I also wrote them a letter dated : XX/XX/2018 and i am asking them for the fallowing information : 1 ) Verification of my debt,2 ) copies of the original creditor, 3 ) any statement or bill from the original creditor, 4 ) Provide copies of Various other accounts, 5 ) copy of insurance card that was used at the time of service, 6 ) provide me with each date of service from the original creditor, 7 ) Do not contact me any more, 8 ) do not call me either any more, 8 ) provide me with there name and ext number, 9 ) do not harras me and or thretenig me on the telephone no more,10 ) They have 15 days as per State and Federal Laws to provide me with the requested documents, 11 ) This debt from the Radiology Department was paid already bye my insurance Company. Thank you. Very truly yours..
Product: Checking or savings account

In the second week in XXXX I have noticed that my business account has a check cleared for the amount of {$2600.00} under an unknown name. Since that check was Written to my waster company for for {$230.00} and was dropped off at the mail box. I have called Td bank immediately and they have explained to me that this check has been washed and cashed! 

I have information my bank immediately and frozen my account! The next day I have gone to my local td bank and opened a new bank account but they have failed to help or inform me that I have to make AFFIDAVIT OF FORGERY and send me in my way! 

THRE MONTHS has passed and I have been call them and going into several branches and they have all said you have to wait or it takes a while! Then finally they informed me that I need to fill in the AFFIDAVIT OF FORGERY and to file a police report too! THRE month later!!! 

FORTH MONTH LATER STILL NOTHING! 
I call they tell me the have no further information?! This is the first time my business has been defrauded and expect THE BANK to tell me what steps and need to take when something like this occurs! It doesnt take four month to give me my money back! I am a small business and this is a very large amount for me to loose! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Noticed Unauthorized Inquiries On My Credit Report. 

XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX