23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service is reporting a debt on my credit file that I do not owe. I paid this account the moment I found out about it since I never received any mail from them or a phone call. This violates my 30 day right to dispute under the FCRA and the FDCPA. I am aware that Credit Collection Services report to the bureaus as they deem necessary since they are the furnisher. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.
Product: Mortgage

***CRIMINAL INTENT TO DEFRAUD BY NATIONSTAR ATTORNEY***NATIONSTAR IS REFUSING TO ACCEPT PAYMENTS ON A LOAN THAT IS CURRENT*** We spoke with XXXX XXXX @ XXXX in Customer Service escalations and we also spoke to XXXX XXXX in XXXX Texas . BOTH confirmed that Nationstar put a " code 91 '' on the file ... AN INTERNAL INSTRUCTION TO REFUSE TO SERVICE THE LOAN in direct violation of Federal Law. They claim to have an attorney handling it but the Attorney never returns phone calls .... THEY ARE TRYING TO STEAL THE HOME AND DEFRAUD THE FEDERAL GOVERNMENT ... An update on this case We have the mortgage broker admitting loan origination fraud making everyone else guilty of intentionally misleading the Senior citizen victim. Attached are an updated list of additional violations. Retaliation is illegal. The Victim is simply enforcing their consumer rights .... PLEASE HELP .... THIS IS HOW THEY ARE STEALING HOMES .... FRAUD .... NATIONSTAR INTERNAL CODE 91 A REFUSAL TO ACCEPT THE XX/XX/2019 PAYMENT IS RETALIATION FOR FILING A LAWSUIT PLEASE SEE CASE # XXXX XXXX XXXX IN XXXX COUNTY THESE CRIMINALS ARE GUILTY ... GUILTY ... GUILTY ... AND ADMITTED IT
Product: Debt collection

I never signed an agreement with 1st Digital/Synovus/Vt . I have contacted this company numerous times that i do not owe this debt and for them to remove it from my credit reports.
Product: Credit reporting or other personal consumer reports

I receive this message from my credit report : Dark Web Alert Compromised SSN On XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I filed a dispute with a late fee that appears on my credit report from Kohls. There was fraud detected on my charge card. Kohls customer service confirmed the fraudulent charges and advised NOT TO PAY any bills associated with this fraud until it was investigated. During this time, I received late fees from Kohls for {$4.00}. I disputed this fee with Kohls and they removed the fee with XXXX balance. However my credit report was affected and my score decreased. I filed a dispute and XXXX who verified this fraud, however my score decreased because of this. The investigation did not remove this late fee off my credit report and it remains today. I have never been late on any bills and this should be totally removed from my credit report. I have contacted Kohls who refuse assist in any manner.
Product: Debt collection

ICS Systems said I have a debt from XXXX. This is completely untrue. If I do have a debt it would be from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

made goodwill gesture to allow the agency to correct the erroneous reporting, and I have maintained a careful record of my communications with the agency and now I am filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office due to the non-compliance of the agency. I do not agree with the item listed below which still appears on my credit report, even after a so-called Investigation. I would like this item immediately re- investigated. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and many purchases due to this inaccurate report. The following is inaccurate : Company : XXXX  Account Number : XXXX REASONS TO INVESTIGATE AND VALIDATE THE ACCOUNT : validation of debt not given as requested, Date opened is incorrect, inaccurate payment dates, I DID NOT provide written permission for this account to even be reporting to or on my credit report, Wrong date of last activity noted, Wrong balance listed, wrong payment dates listed .Wrong date of last activity noted, Wrong balance listed, Wrong credit limit amount listed. It is my understanding with MY RIGHTS AND federal consumer laws that they will check these items with the creditor who has posted them and MUST provide documented validation of all reported inaccuracies and validates debt. I WANT THIS ACCOUNT AND ALL INACCURATE INFORMATION THAT IS NOT VALIDATED AND DOCUMENTS PROVIDED TO ME REMOVED FROM MY CREDIT REPORT.
Product: Debt collection

To Whom It May Concern:

   As You Can See My History With Debt Collectors Thru CFPB Whom Continue To Try To
Collect On A  $XXXX  Medical Debt, That I Can Prove That I Do Not Owe.
This Is The "Fourth"  Time That Debt Collectors Have Tried To Disturb My Credit Report,
With The Same False Medical Bill.
I Do Consider This  Continued Harassment To Try And Protect My Credit Report From
Debt Collectors. Is There Anything Legally I Am Able To Do To Prevent This On Going,
Non-validated Harassment? 
They Have Flagged My Account Once Again......


The New Debt Collector For This Year Is   PARAMOUNT RECOVERY
They Have Placed A Derogatory Mark  On My XXXX  And XXXX Accounts

PARAMOUNT RECOVERY SYS XXXXXXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had many issues with Transunion over the last year. I've sent numerous complaints about inaccurate accounts reporting on my report. After several disputes I asked them to provide the specific agent who investigated my dispute. After this they closed the dispute and they basically said my disputes were frivolous. This situation frustrated me to no end and it was one of the reasons I have been feverishly studying all the Consumer Laws in Title 15 Chapter 41.

After careful study I learned how unfair consumers are being treated in their daily activities. I learned in my sitution that Transunion is violating 15 U.S. Code 1692c ( a ) which says : ( a ) Communication with the consumer generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Transunion is communicating information given to them that I never consented to them housing or recording, my Private Information. Information I never consented to being shared. I also realized that I never consented to Transunion reporting information based off of my tax Id which is my social security number. I called the IRS and asked them do they have any interactions with Credit agencies to report credit information and the agent sternly noted that there is no such agreement. So I wondered how do these agencies even get my SSN number? Since I never expressed any consent to do so as this IS MY PRIVATE INFORMATION. I also understand that according to 15 U.S. Code 1692c that Transunion is in violation of this law by communicating with third parties without my express consent. I have been complaining to Transunion about a third party debt collector named XXXX XXXX XXXX, XXXX who has been fraudently reporting inaccurate information on my credit report for three years now. XXXX and XXXX removed it from their credit reporting but Transunion for some reason would not remove it. I am currently preparing to sue this debt collector this month. I have complained about this company to the CFPB as well. Based on how I have been damaged, and based on these Consumer laws. I sent Transunion correspondence to their complaint department specifically reaching out to the head of that department a gentleman by the name of XXXX XXXX to explain the damage their company is currently doing to me. Along with the complaint I sent an invoice for the damages that I have received based on their unlawful reporting. I provided them with an Exhibit as well for each violation. I also provided them with a Power of Attorney showing that I have the authority to represent the Legal name that they are unlawfully reporting on. I also provided them with a copy of an UCC-11 search showing that none of the creditors that they are reporting who are claiming that I owed them a debt has a lien on any claimed debt which proves that they are Inaccurately reporting to Transunion.
Product: Student loan

I applied for Income Driven Loan Repayment in XXXXXXXX XXXX XXXX, and my form was approved through OMB. However, because the SAVE Act has been under scrutiny, I was informed on XX/XX/XXXX that my account was being placed into an administrative forebearance. I called Mohela to confirm that there was no action needed on my end. 

In XXXX, I received notice that I would have a ~ {$1300.00} payment due the following month. Again I called, and was told I was in forebearance and should disregard. The payment due remained on my account, but Mohela changed their robo-options on their customer service line to tell borrowers to ignore messages about late payments. Nevertheless, I filled out a manual forebearance application, as I was afraid of late payments affecting my credit score, and I have been paying as much as I can over the past 2 months, as my account continues to reflect the {$1300.00} monthly fee. I have paid, to date, nearly {$1000.00}. 

I received notice today that I would be given a retroactive forebearance, making my account current, but that moving forward I need to make the high payments each month. i do not trust that getting in contact with Mohela will result in my account being placed on a regular forebearance, and despite having filled out another IDR application, I have no confidence that Mohela will properly handle my account. They have not been doing so thus far.
Product: Checking or savings account

I requested the Bill Pay service through Bank of America, to pay my landlord ( XXXX XXXX XXXX XXXX  ) in XXXX XXXX, FL for my business rent in the amount {$9900.00} on XX/XX/XXXX. 
They sent check number # XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
This person is NOT in my contacts nor do I KNOW HIM, he cashed the check through XXXX XXXX. 
Bank of America closed my case number as they stated that the paperwork was filed incorrectly. It is unclear if the one that I have is still currently active, BOA case # XXXX I have called numerous times to Bank of America, Bill Pay and also filed an affidavit on XX/XX/XXXX to retrieve my ill directed funds. None of these institutions seem to accept responsibility for this matter, all seem to point the fingers at each other and Im left with zero communication. I have been without these funds now for over a year. This is totally unacceptable. My understanding is that since the check crossed state lines it is considered a federal crime, hence the hesitation. I would like this matter to be resolved immediately since this has really been dragged on for way too long!
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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

I CHECKED MY CREIT REPORT AND I SEEN THAT I HAVE SOME INQUIRY ON MY CREDIT REPORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT WHERE THEY ARE SUPPOSE TO CALL TO MALE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL. Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit card and travel / entertainment companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan/credit card from Capital One is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. Capital One says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so Im able to show an accurate number for my credit score. Thank you.
Product: Debt collection

This company calls from various phone numbers and they are very rude. They call my wife and harass her about a debt that she does not know about about. They talk with her about debt and confirm my SSN and info, which they did not check with me first. This guy tells my wife he is going to sue her and take everything and trys to scare her into paying. At one point my wife offered to make a payment, which her card was declined. She never received a call back to confirm payment. 20 days later this company calls from XXXX and they say they will seek legal action immediately. They called 3 times within a 2 min window. My wife asked for the operator ID of the person she was speaking too to write a complaint and the call was disconnected. This debt has disputed on my credit.
Product: Debt collection

In response to CFPB complaint - XXXX - XXXX - My name is XXXX XXXX, a federally protected consumer, and XXXX making this complaint against LVNV FUNDING LLC for violating a cease and desist notice they received XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive deceptive and unfair debt collection practices. 
I have attached a debt validation letter, a cease and desist notice. Exhibit A which is a copy of the reporting on my XXXX report, Exhibit B which is copy of their response to CFPB complaint - XXXX - XXXX and a pdf of an FTC report that will be labeled as exhibit C when filing for litigation in Federal Court to this complaint. LVNV FUNDING LLC stated that on XX/XX/XXXX with the purchase of the accounts, the current owner LVNV FINDING LLC acquired all ownership rights from XXXX XXXX XXXX with rights to receive payment of the balance due on the account on or about XX/XX/XXXX. XXXX XXXX XXXX provided to LVNV FUNDING LLC at the time of there Purchase we verify that the accounts was open on XX/XX/XXXX, XX/XX/XXXX. LVNV FUNDING LLC said with its purchase they acquired all ownership rights, XX/XX/XXXX, XX/XX/XXXX including the rights to collect on the accounts. But I never contracted with them and they have no reason to have my identifying information. Also pursuant 15 USC 1692g ( c ). I have not validated any alleged debt with LVNV FUNDING LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability, LVNV FUNDING LLC. I have not received any documentary evidence, such a trilateral contract given LVNV FUNDING LLC any right to collect on this alleged debt. Its is my belief that LVNV FUNDING LLC are attempting to furnish false and deceptive forms. LVNV FUNDING LLC also stated they are providing the attached accounts summaries as verification of the in accordance with the fair debt collection practices Act. Section 809 ( 15 USC subsection 1692 ( g ) and applicable State and local requirements. The Bill statement and terms and conditions on file for accounts are enclose for review with the right to receive payments of the balance do on the account on or about with its purchase the accounts was verified. 15 USC 1692g ( c. ), I never validated this alleged debt with LVNV FUNDING LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. If LVNV can not provide me with proof such as a tracking numbers that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report this has been a fraudulent furnished account with forethought and malice as an attempt to bring harm to me my financial reputation, credit worthiness, credit standing. 

LVNV FUNDING LLC - XXXX XXXX XXXXXXXX LVNV FUNDING LLC - XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

In XXXX 2015 my husband and I requested a loan mortgage modification with our current mortgage servicer, Carrington Mortgage, but we were denied in XXXX 2015 ( we have a VA loan ). We had no choice but to pursue a short sale, which we discussed with Carrington Mortgage. We completed the required paperwork and obtained a realtor to process the short sale. We moved out of the home in XXXX 2015 to prepare the home for viewing by potential buyers. The realtor submitted the short sale paperwork to our servicer. On XXXX XXXX, 2015, the realtor contacted the servicer with updates. We received an offer today ( XXXX/XXXX/2015 ) for the home and signed to paperwork. My husband went to the home to mow the lawn and discovered that the lock box was cut off the front door and the locks were changed without our knowledge. We never received a letter from an attorney regarding a pending foreclosure sale. We are very upset because we were not notified the servicer would take possession of the home because we were in the process of trying to sell the home, which we have received an offer. I believe they have violated Georgia laws regarding home possession. We are trying to avoid a foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

On XX/XX/2022 I received texts messages from Bank of America asking if charges were mine because they were from Florida and I reside in California. At that time I stated that they were NOT from me and proceeded to spend 2.5 hrs on the line with their customers service fraud department trying to work out the situation with reversing the charges as well as getting a new debit card and changing passwords in an attempt to mitigate any future fraud issues. I was under the impression that it was resolved after the 2.5 hrs I spent in XXXX and they gladly refunded XXXX of the charges that were fraudulent on the XXXX of XXXX. It is now XXXX and I looked at my account and noticed that on XX/XX/XXXX XXXX of the charges were taken back out of my account. I called B of A and after spending another 2 hours on the line with the fraud claims department they weren't able to explain why the money was taken out again. I asked to speak to a supervisor after over 2 hours on the phone with an agent that didn't understand what happened and wasn't able to provide an explanation and the supervisors weren't available. I am still waiting for the changes to AGAIN be credited back into my account. Bank of America has wasted hours of my time and money and they need to be held accountable for their questionable practices that cost their customers time away from work to resolve things that should be easily resolved. I wasn't able to wait the additional time for a supervisor and had to hang up because I have a job and B of A needs to be held responsible for the money they owe me and the time they've wasted.
Product: Mortgage

paid tax on time, Bank of America repaid the tax with a late fee to XXXX. The bank opened escrow and funded it from the mortgage payments. I did not have escrow. I pay tax and insurance my self, I am calling the bank since XXXX to resolve this problem, as of XXXX The said problem is not solved. All XXXX credit bureaus are showing I am XXXX days late it also shows the increased payment of {$860.00} not {$510.00}. To add insult to injury the bank told me I must write and request they remove the mistake from my account. I wrote the letter to an address I was given since the end of XXXX.
Product: Debt collection

EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.