23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ENHANCED RECOVERY COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO a creditor is who collects on a debt is considered a debt collector under 1319.12 Taking assignment of debts. Sec C Subsection ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, XXXX, & Equifax multiple complaints about fraudulent transactions made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Violations of privacy, & I havent got a remedy from neither companies. Latest news publications headlines that these companies have settled in lawsuits admitting to non investigations of the consumer complaints. Also XXXX has settled with them. I have been discriminated against by all companies.
Product: Debt collection

I 've had so many false debt collectors calling me! Never want to send anything in the mail. Called my phone several times left a message but never stated the persons name they are looking for
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 XXXX  has placed a charge off on my XXXX, Equifax, and myXXXX XXXX consumer report. According to the IRS a charge off is considered a certificate of indebtedness which means it is defined by the IRS as income and income can not be reported to a consumer 's report. This charge off must be removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a formal complaint for the mishandling of my report that has left me in dire calamity by the credit bureaus after multiple requests to have these accounts removed over the years to no avail. The most recent request was that I be provided with any verification or proof of the original contract for accounts that are negatively impacting my score and have not received anything, yet they have updated the account further impacting my score. This does not make sense when all three reports are filled with inaccuracies if the bureaus are claiming to have completed a thorough investigation as required by law and according to the FCRA, all information must be 100 % accurate or it must be deleted. 

Due to the data breach within the credit bureaus along with misinformation that is listed on these reports such as addresses I have never lived at, wrong social security numbers, wrong phone numbers and wrong names it is my strong belief that my identity has been compromised and that this information must be removed immediately as pursuant to 15 USC 1681c-2 ; consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days.

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

I hereby seek to exercise my full rights and demand to have the accounts listed below removed entirely from my report promptly. In addition, I am also requesting all late payments be removed from student loan accounts. 

Accounts : IXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a matter concerning my credit report and the reporting of my account information.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ), the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Therefore, I request that you update all late payments and any related transaction information on my credit report to reflect " paid as agreed. '' It is important for my credit history to accurately represent my financial responsibility and the status of my accounts. I believe that reflecting these payments as " paid as agreed '' will better align with the factual nature of my payment history.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number : XXXX any other information being reported on my credit report by Experian, XXXX, and XXXX is incorrect and is a result of identity theft, and shall be corrected immediately. 

I recently disputed some incorrect items on my credit report with all 3 bureaus, and they all claim the disputed accounts were verified as accurate. In my dispute i asked them for a debt validation, and proof of investigation, but the requested items were not sent to me. I am seeking compensation for damages for none compliance. under 15 USC1681n ( a ) ( 1 ) ( A ) which allows consumers to recover up to {$1000.00}. Their constant neglect to properly report my credit has been affecting me and my XXXX XXXX XXXX daughter 's ability to get a car note, credit cards, and apartments. I am wanting for them to be held accountable for their negligence and causing us pain and suffering. XXXX, Experian and XXXX are tarnishing my name and my identity and it's not right. I am referring to these accounts below : XXXX XXXX XXXX Account number XXXX Balance {$9200.00} XXXX XXXX Account number XXXX Past due amount {$140.00} Hard inquiries : XXXX XXXX XXXX  Inquiry dateXXXX XXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect...

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments
Product: Checking or savings account

My bank account was closed and no other information was given to me. I have been an established customer since 2001 with no issues. I was told that this was discriminatory practice. I went inside the back to clear things up and they also were confused as to why my account was just closed and labeled me as an " Established Customer ''. No bounce checks no fraud nothing was observed. I was not able to get money out without waiting for an extended period of time and I would like answers because I did nothing wrong to deserve this.
Product: Credit reporting or other personal consumer reports

These accounts are closed and were sold to another lender. I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXXXXXX BANK they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX i do not have a contract with XXXXXXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, from the following creditors that have fraudulent accounts on my credit profile that need to be moved immediately, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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
Product: Mortgage

On XX/XX/XXXX my wife contacted our mortgage servicer ( Lakeview Loan Servicing , LLC ) to cancel our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She was advised by the representative XXXX XXXX ) that we would receive a confirmation in the mail within 30 days ( by law ). 

By XX/XX/XXXX we still had not heard from the company regarding cancellation. My wife contacted the company on XX/XX/XXXX, at which time the company apologized, promising to remove the XXXX from XX/XX/XXXX escrow ( which they did ), and sent the Notice of Cancellation ( dated XX/XX/XXXX ) through the mail. 

At issue, are three items that I have been unable to resolve with my servicer : 1. We were charged three ( 3 ) additional times for MIP after we requested cancelation on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX according to our Annual Escrow Account Disclosure Statements. Each disbursement is in the amount of {$340.00}. I have had five ( 5 ) separate conversations with my servicer, always getting one of two responses ... " We will escalate the issue. '' " We have determined there is not a refund due, but we will escalate the issue. '' 2.The servicer took more than the time allowed provided by law to produce the Notice of Cancellation of XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX ). 

3. At the time we requested our XXXX  be cancelled ( XXXX of XXXX ), our loan had already reached 75 % LTV. We have been trying to work with our servicer to have the XXXX balance refunded to us. We have asked for the XXXX  balance be refunded, to account for the point at which the loan hit 78 % LTV, and the time we requested the refund. During the last call I had with the servicer ( XX/XX/XXXX ), the escalation agent told me that some FHA loans have to hit a 11 year term before XXXX  can be cancelled. I tried explaining that since my loan closed prior to XX/XX/XXXX, I am eligible after five years. I got the same answer ... " We will escalate the issue. '' To recap, and since our servicer is treating the request as two separate issues, we are asking the servicer that two things be done to remedy the situation. First refund the XXXX, along with applicable interest accrued after XX/XX/XXXX. Secondly, refund the XXXX  and applicable interest accrued from the moment the loan hit the 78 % LTV mark, and XX/XX/XXXX. Of course, the second issue should render the first moot, but the servicer is treating each concern separately. 

As previously stated, I have been going back and forth with the servicer since XX/XX/XXXX to try to resolve this. I honestly believe they are prolonging this process in the hopes that we might forget about it. We will not.
Product: Mortgage

I contacted my current mortgage servicer, Seterus , Inc. to make payments on my mortgage account. However, after more than a week, Seterus. Inc did not process the payments and the amount remained in my bank account. I called Seterus, Inc. again to inquire about why the payment was not processed. They told me to contact the bank because it did posted to the account. When I called the bank, the bank informed me that Seterus, Inc made no effort to process the payment through my account. In the interim, I received a notice of default for my mortgage. Another attempt was made to process the payment through a different account. I decided to close my checking account and resend the payment ( XXXX XXXX XXXX ), but allow it to come out of my savings account instead. Without my personal authorization, this payment was some how rejected, as well. Nonetheless, I made another attempt to process my mortgage payment, but this time from a totally different account. Although, Seterus, Inc is agreeing to accept my payments and providing me with a confirmation numbers, Seterus, Inc. is not processing the payments. Although, I have made several attempts to make mortgage payments to Seterus, Inc., if payments are not properly posted to the account, additional interest and fees are accumulate, raising the balance on my mortgage. Furthermore, even though numerous efforts have been made to make payments on my mortgage account, Seterus , Inc, is trying to force my loan into foreclosure.
Product: Credit reporting or other personal consumer reports

i notice fradulent account and inquires on my account. these occurred recently XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

The last payment was made XX/XX/XXXX and the default was 30 days later in XXXX. 
The lender is attempting to make it appear the last payment and default are more recent. 
They show I was 60 days late in XX/XX/XXXX. 
This is not the first time the lender has done this. My score dropped 78 points.
Product: Money transfer, virtual currency, or money service

Charges have been made my account was hacked an cash app closed my old account with money in it for no reason some years back in XXXX maybe. An as of recently my disput has been denied
Product: Credit card

On XX/XX/XXXX I was charged {$330.00} at a XXXX On XX/XX/XXXX I was charged {$2000.00} at a XXXX XXXX 

On this date if XX/XX/XXXX my phone and debit card were stolen. I filed a police report with XXXX police dept. XXXX XXXX contacted me and an investigation was implemented. Upon investigation a woman was seen on surveillance buying things. 
I have filed multiple disputes with Goldman Sachs on this case. It keeps getting dismissed for lack of evidence. I filed a XXXX page police report to them. 
Case number of the disputes are as follows XXXX XXXX XXXX XXXX XXXX I have made many phone calls to no avail. 
I have paid over {$2000.00} in interest charges and still owe {$1800.00} that I will not be paying.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Experian with no luck, they make it very hard to speak with a live human being instead you get a automated thing that asks you select an option non of which transferring you to a person. 

I have unauthorized inquiries on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have noticed several inquires on my chexsystems report that I did not authorize. I need these removed from my chexsystems file asap please, thank you.
Product: Mortgage

Chase has just stated ( XXXX XXXX, XXXX ) that I am due for the XXXX XXXX payment on this loan and I am attaching proofs of payments made from XXXX XXXX - XXXX XXXX. Also I am attaching XXXX wrongful/illegal acts of mortgage banking : first a suspense account that DID exist for years and my original loan document showing that my loan is based on Estimate Payments which is also predatory. XXXX XXXX XXXX and XXXX XXXX XXXX have lied to me during the past two weeks on this and many other issues in effort to give this site as well as XXXX and other agencies wrongful information, while hiding the attached proving the suspense account as well as predatory lending ( estimate payments schedule since XXXX ). XXXX XXXX has told me via phone last week that I only need wait for the " foreclosure sale date '' and refused to answer my questions regarding an auction that would be first necessary to take my name off of my deed to give to a land court to throw me out eviction notice. Refusing to give me any acknowledgement/answers of this procedure denies me of my consumer rights!! as well as offering me a Non affordable modification ( based on predator loan wrong balance, etc ... ) which would take about 75 % of my small XXXX only ioncome which is no way affordable. This in itself is in breach of foreclosure laws!!! Regardless of my refusing it or not! due to this predator loan to be continued another XXXX40 yrs on the original {$72000.00} balance initiated in XXXX. Please see the attachment showing the interest alone {$230.00}, XXXX on that amount ( borrowed {$72000.00} ) the total they are still trying to make me pay is XXXX!!! 400 % interest!!! XXXX XXXX XXXX and XXXX XXXX XXXX should be investigated for possible fraud and or conspiracy!!!!! while also giving false information to this site as well as XXXX in effort to fraudulently foreclose on me starting possibly next week. Again my questions of an auction are being ignored as they do now want me to be home to witness my home being sold and a different name put on my deed to intentionally deny me of my consumer rights!! Again I am XXXX yrs old and legally XXXX with numerous XXXX related medical problems that are aggravated by all of this insanity and abuses.
Product: Credit reporting

In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to XXXX for collection and they have listed the debt on my TRANSUNION report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Transworld System Inc. for committing identity theft. I have never given Transworld System Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld System Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld System Inc. continues its collection efforts, I will file for litigation for actual damages caused and Transworld System Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Consumer Loan

Wells Fargo repossessed my car in XXXX while I was on XXXX XXXX. I understand this was illega but it says the frametime is between XXXX. They did not have a court order to do this.
Product: Debt collection

it is automated they just say to call but do not relinquish a name who they are calling for