23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a debt with XXXX for the amount of {$54.00} that was paid in XXXX. Ever since then I've been getting calls from MRS associates saying I still owe even after showing them proof of payment. it is now XXXX and the calls haven't stopped, now i receive at least 4 calls a day that hang up as soon as i answer. when I call to talk to someone, they tell me to pay the bill again. I have asked to see proof of this debt and have been told its been sent to me every time ( still no proof of debt 4 months later ). they claim I haven't turned in my equipment as well, when it was returned directly to XXXX location.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4500.00}, {$4600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Product: Student loan

I made a payment to the loan service, ACS, but it was not applied to my account and they reported a delinquent payment to the credit agencies. Now my credit is almost below XXXX. I have had issues with this loan servicer for over 4 years. Their website does not work, and so I made a payment over the phone but it looks like the payment not applied correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX and XXXX XXXX. Please correct and update.
Product: Credit reporting or other personal consumer reports

I am requesting these unauthorized inquiries be removed from my credit profile. These inquiries listed on my credit report were not done nor authorized by me. I am requesting immediate removal of these inquiries. 

INQUIRY XXXX : XXXX XX/XX/year> INQUIRY XXXX : XXXX XXXX XX/XX/year>
Product: Credit reporting

when to car dealer and was informed on Experian I was shown cr score XXXX, then a week later cr union show the score XXXX. My question how come it when down from XXXX what I was shown to XXXX. XXXX took place on the same date XXXX/XXXX/16
Product: Mortgage

I have already filed a complaint Id XXXX. It shows Mr Cooper Responded and the status is closed. Upon checking with the County tax collector, the taxes have still not been paid. There is no correspondence, fax, or contact with them at all from Mr Cooper. I would like to follow up with this complaint. I am getting nowhere with them. The next tax season is coming up and I'd like to clear this up before a bigger mess is created. Please help me
Product: Mortgage

My mortgage has been paid off for over month yet my escrow has not been received address XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX My money was paid promptly _ PLEASE RETURN MY ESCROW!!!!!!!!!!!!!!!!!!! 
XXXX XXXX at XXXX
Product: Debt collection

I have contacted LVNV FUNDING LLC on XX/XX/2023 letting LVNV FUNDING LLC know that it, its parent, subsidiaries, XXXX was to cease and desist ALL illegal activities AND to cease and any communication with me in any attempt to collect on this alleged debt. Now, LVNV FUNDING LLC has DISHONORED my demands and Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
LVNV FUNDING LLC is using extortionate means to collect on alleged debt that I do not owe LVNV FUNDING LLC that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. 
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.

1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 
I have a right to this information, as its directly associated with the reporting activities. 

Let me be very clear : I do NOT owe LVNV FUNDING LLC and do it have any debt with LVNV FUNDING LLC. 
This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. 
LVNV FUNDING LLC should note that it has now violated me further and has also continued to communicate with me in the attempt to collect an alleged debt by processing my information to XXXX and XXXX althought I explicitly wrote to LVNV FUNDING LLC informing LVNV FUNDING LLC not to do so.
Product: Debt collection

I was sent a letter by this company allegedly stating that I owe them money. Please provide the services that were preformed for this medical bill and confirm that services were completed. If not able to verify the above, please remove all forms of communication and remove this account as I am not responsible for this debt.
Product: Checking or savings account

XX/XX/, 2018 Like to link checking account to XXXX. Error saying my bank, TDBank, will not allow outside application access.
Product: Credit reporting or other personal consumer reports

I am unable to secure housing ( rental ) due to 2019 'eviction ' appearing on TransUnion report. The eviction record does not include the final judgement, dates of filing and settlement, or settlement amount. I was never evicted from the home, I did not give authorization for these court filings to be released and the inaccurate information has caused me to be denied housing for my family.
Product: Credit card or prepaid card

This account ( account number XXXX ) is reporting late for XXXX XXXXthey are charging me late fees for an account i can't use because they have failed to update my account as they were supposed to after i SENT all documents requested and they won't inform me why my card is flagged as fraud and delayed this case when they had paperwork months ago and now charging me fees for it
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage servicing company failed to report timely payments made. 19 months worth. 
Writing certified letters did absolutely nothing. Only filing a complaint with the Consumer finance protection bureau, made any difference - unfortunately!
Product: Debt collection

I did call C.C.O.C ( A Debt Collection Agency ) when I found out that they report this debt to all XXXX credit bureau. I told them that this debt supposed to collect from XXXX XXXX XXXX XXXX and I have a prove of XXXX XXXX A that I filed with IRS that I paid my premium from XXXX - XXXX XXXX. I also told them that I did call XXXX XXXX XXXX  XXXX to confirm that they will take care of this debt. I also send all supporting documents along with the letter to C.C.O.C.. Instead of removing this debt from my credit reports, they sent me the letter state that this debt is valid and will remain unchanged. and also adding interest with this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. XXXX XXXX Account Number : XXXX 2. Payment status and creditor remarks are in accurate it is not charged off and unpaid XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Payment status is wrong it is not charged off XXXX Account Number : XXXX Please remove it from my credit report. 
4. Payment status that this was charged off is not correct XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I have attached the complaint under the " Attach Documents '' section. It was a little long to try to copy into this box.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Payday loan, title loan, or personal loan

I believe I have been defrauded by a predatory conspiracy between XXXX and XXXX XXXX XXXX XXXX XXXX. I sought help from XXXX XXXX XXXX XXXX XXXX to assist with a tax bill dispute with the IRS for which I believe I have a legitimate XXXX XXXX defense. XXXX XXXX XXXX XXXX XXXX partnered with XXXX to provide me a high interest loan to pay its legal fees while providing little to no service. XXXX is a principal partner in the conspiracy as without LendUSA participation, the scam would not be able to occur. XXXX, in essence, provides the financial backing to the scam. In my opinion, the arrangement between XXXX and XXXX XXXX XXXX XXXX XXXX is a conspiracy to defraud. To defraud not only me, but the U.S. government as well : Monies I could have been paying toward my outstanding tax bill, have been diverted to XXXX and XXXX XXXX XXXX XXXX XXXX. This conspiracy is unfair, deceptive and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has listed an alert on my background on a case that has been closed for a period of time, stating the case is active of XX/XX/2018 in XXXX XXXX XXXX county.
Product: Money transfers

Recently, my daughter and I settled on a house she was purchasing for herself and I was selling on behalf of my parents ' estate. My now-deceased father had a reverse mortgage ; so, essentially, my daughter refinanced the home in her name. Throughout the process of my daughter obtaining a loan from her financial lender, the reverse mortgage company and it 's attorneys pursued foreclosure. During the process of attempting to take over the property and without the knowledge of the estate, the reverse mortgage company made a highly unusual payment of taxes on the property. As the personal representative over the estate, I also paid the taxes. I was later informed through the title company that the taxes were current through XXXX 2016 and that the overage would have to be settled on the day of closing. However, instead of the title company XXXX XXXX XXXX XXXX of XXXX XXXX Maryland XXXX remitting a check due back to me as the seller on behalf of the estate, XXXX XXXX XXXX illegally credited the reverse mortgage company money including part of what the estate had paid. In an email message to the reverse mortgage company requesting the refund due to the estate, I copied the title company. The title company 's representative was very rude responding to the message. However, in her rude response, she states that the money is/was due to the seller. XXXX XXXX in representing XXXX XXXX XXXX used her position at the company to require my daughter to send money to XXXX XXXX in order to close on the desired property. She also used her position to illegally falsify documents in order to credit the reverse mortgage company and finally made an unauthorized wire of funds to the reverse mortgage company that was due to the seller/estate. The actions of XXXX XXXX Company and/or it 's representatives lead me to question how many times they have falsified documents in hope and anticipation of the seller and buyer 's lack of knowledge. Please address this current issue with XXXX XXXX Company. Additionally, an audit of their previous records and dealings should be conducted.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX   I was involved in a XXXX XXXX revolving scam that caused me to XXXX upwards of {$5000.00} from my savings account to recover additional funds from someone that I knew. 

Unfortunately Bank of America told me that they were not able to help because there wasnt any authorization code or anything needed to send these funds. I went through a fraud investigation and they found me liable of sending those funds to these unknown people and I did not recover the money.
Product: Debt collection

An account with JCPennys was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus XXXX times, once as JCPennys, once as their in-house collection division called XXXX XXXX. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX XXXX XXXX XXXX XXXX CT, A XXXX, North Carolina XXXX Phone : ( XXXX ) XXXX XX/XX/2023 To Whom It May Concern, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

The amount ( s ) owed are no longer outstanding for the following items : Name of the Account : XXXXXXXX XXXX Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX Account number as is presented : XXXX Amount : {$530.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$82.00} Name of the Account : XXXX XXXX XXXX XXXX  Account number as is presented : XXXX Amount : {$1000.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$300.00} I am disputing this claim due to whom this may concern, I am writing to dispute my recent credit report. I am not sure how my personal information ended up on the report, but I do not recognize any of the information listed. I have never done anything illegal, and I am not in any financial trouble. 

I request that you remove my personal information from the report and update it to reflect my current information. I would also like to be notified of any changes to my credit score because of this dispute. 


This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, By XXXX XXXX XXXX
Product: Credit card

I asked to have my XXXX account closed back in XXXX. I then paid off the card. An automatic renewal of a Fotor service for XXXX was processed through my XXXX account on XX/XX/XXXX. I called XXXX and they deny the account was ever closed, however even though I allegedly have {$4400.00} credit ... the charge was not made to the XXXX account but to a bank account associated with the XXXX account. Obviously the XXXX account IS CLOSED because the charge went to a bank account instead. This was an unauthorized use my closed XXXX account to satisfy the XXXX charge. When I tried to dispute the charge, I was told ( by an online message ) that the dispute could not be filed and I was locked out of my account. I could not get back into my account nor could I reset my password. I want the XXXX refunded to the bank account ( ending in XXXX ) from which it was removed without permission and proof that this XXXX account IS closed.
Product: Credit card

I was notified on XX/XX/year> from Bank of America that my credit card account was being closed. I was surprised by the notice as I had not used the card in approximately XXXX years. I subsequently learned that a fraudulent charge had been made on my card for {$30.00}. I also learned that Bank of America was showing that the charge was made in XXXX of XXXX. Despite this fact, I had never received any statements evidencing of the charge, including any notices explaining that my account was going to be closed. My account required that paper statements were to be sent to me, but none were received. The notice I received of my account closure was by email. I immediately called Bank of America after receiving the email to dispute the claim, but the bank asserted that I was just outside the 90 day window to file the dispute. Additionally, Bank of America marked my account as delinquent and sent notices to the credit agencies causing my credit score to drop from XXXX to XXXX in the matter of 30 days. I called the bank and explained that the charges were not mine and that even if they didn't reverse the charges, which I was willing to pay, I needed the delinquency notice to be dropped. Despite numerous phone calls made to the bank, BofA refused to change the status of my account claiming that no bank error was committed. I have been a credit card customer of the bank for over 15 years and have not used the card in years and I don't feel that BofA sent me proper notice nor do I feel that I was delinquent on charges that I did not authorize. I am seeking help from CFPB to have these delinquent notices dropped to restore my credit.
Product: Credit reporting

I initiated a Dispute with Equifax my on XXXX XXXX, 2016 and since then I have disputed this creditor XXXX XXXX three time as Fraud/Identity theft. Equifax refuses to remove it from my file. 
Dispute Case Numbers XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016
Product: Credit reporting or other personal consumer reports

To, Experian XXXX Department XXXX : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Sincerely, XXXX XXXX