23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. 

On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. 

It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXXand all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

All access put a restrictions on my NetSpend card with me and my kids XXXX come on than the company took XXXX when I was told I only owe XXXX I been crying all day I have called them over 25times today and yesterday about 10times now they trying to say I owe them for another account what was closed and I remember they said fraud was on my account years ago please help me my number is XXXX XXXX XXXX is my name
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed XXXX XXXX XXXX with the original creditor as XXXX. I have never had XXXX  service in my name, or even signed up for any service with them. 

I also noticed a revolving credit loan from XXXX XXXX XXXX XXXX XXXX have never heard of this company, and the account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

NewDay USA rep erroneously stated that I do not have an existing credit file because he is a rude rep in my opinion and doesn't appear to have any integrity. This company continued to pursue me for loan even after there false statement concerning my credit report. The statement is extremely inaccurate. I explained to the rep Mr. XXXX XXXX on numerous occasions that I am currently in a loan and have had a credit report for almost 40 years and that I am in a VA loan currently yet he insisted that I am a " XXXX XXXX   '' on all credit reporting agencies sites. This statement is false as I have just closed a personal loan and I am in the process of refinancing my VA loan. I told Mr. XXXX on XXXX that I am refinancing my loan through my current loan provider and yesterday, and today I got a denial letter stating I don't have a credit file. I think he and ND felt rejected and this denial letter was their way of retaliating. They ( NewDay ) were even XXXX enough to write down what I know to be false. Mr. XXXX couldn't help to mention that he has " never seen this before '' referring to that I supposedly on his end am showing " no credit report '' from the credit bureaus. Amazing or not!
Product: Credit reporting or other personal consumer reports

Klarna I have report this issues many times to the company explaining that I have never open any account XXXX before in the past and it states that I have been more then 60 days. Someone got my personal information and use it to open an account in the past so now that I'm trying to open an account its effecting me. So Please resolve this matter asap.
Product: Money transfer, virtual currency, or money service

1.Cash App used my private credit card to make advancement and credit request through the Federal Reserve window to open demand deposit account on my behalf without my proper power of attorney, 2. Cash App used my private information to open trade on the secondary market without my express written consent and hid the profit in offshore accounts committing money laundering.
Product: Debt collection

Collections letter received from : I.C. Systems XXXX. XXXX  XXXX XXXX   XXXX, MN XXXX On XX/XX/2020, I received a collection letter from the above said agency in regards to an XXXX XXXX account, account number XXXX, in the amount of {$340.00}. I mailed off a dispute letter on XX/XX/2020, disputing the validity of this collection. To date, XX/XX/2020 no response has been given to me to validate this collection that is being attempted to collect against me. No communications whatsoever in this matter. Thank you for your time and attention in this very important matter. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found accounts that I do not recognize. I have never opened or managed these accounts, yet they are being reported under my name. This is a serious issue, as it presents false information about my financial history, and I need immediate clarification on why this is happening.
Product: Mortgage

Cmg mortgage sent my XX/XX/2023 payment back, then sent letter stating payment was never paid and they're going to charge me late fees & report to my credit even threatening of foreclosure for non-payment if not paid in 60 days. I sent a certified letter which they received it on XX/XX/2023 they signed for it so therefore my mortgage was never late CMG also tries to increase my mortgage then they sent me a recent letter changing my mortgage again I have a fixed VA loan mortgage therefore my mortgage should be staying the same not changing as CMG has no justification for the change. They also said my home owners insurance is {$2000.00} a yr, but then after a call to XXXX my home owners insurance it's was only around {$1200.00}. Cmg said i have to pay the {$2000.00} before they would fix it
Product: Credit reporting or other personal consumer reports

Illegally reporting accounts to my Credit without my permission
Product: Credit card or prepaid card

I have been a with SANTANDER CONSUMER USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Debt collection

On XX/XX/XXXX. I paid the full balance of {$190.00} to XXXX XXXX a collection agency on behalf of Affirm ( a micro lending company ) on a debt I disagreed with and disputed many times. It is now XX/XX/XXXX and the debt still hasnt been updated to show as paid or current in my XXXX. I have opened numerous disputes with XXXX proving that I paid the balance in full and no longer owe it. This debt is now hurting my job prospects for the feds as I go through processing. 

Im at my wits ends and am preparing to sue to Affirm for incorrectly reporting on my now former debt and not reaching out to XXXX XXXX to see what happened to the money I paid them. The debt went into collections sometime in XXXX, possibly XXXX and I have received numerous attempts to collect on it since. 

Ive also opened a XXXX complaint against Affirm, but at this point I would like to file a consumer finance complaint against them and if need be sue to hold Affirm accountable for incorrectly reporting on my debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested a hardship through the XXXX XXXX portal online. It gave me a due date of XX/XX/XXXX. I called on XX/XX/XXXX asking why my account didn't reflect my hardship request. They apologized and asked what happened that I was off from work and I explained my brother just passed away, they said they understood and our condolences. Your account from XX/XX/XXXX to XX/XX/XXXX will be adjusted we apologize for the error and will defer your payments until XX/XX/XXXX at {$260.00}. At that point, I was not XXXX  days late and thought everything was XXXX XX/XX/XXXX I got an alert that I had a XXXX day late on XXXX and Transunion for XX/XX/XXXX and XXXX was showing a XXXX day late for the same time period. I called in and they said it was their fault and would correct it. I disputed through the XXXX credit bureaus and it hasn't been resolved or updated. The notes say one thing when I contact XXXX XXXX about it but the collections department that handles the correspondence with XXXX credit bureaus hasn't corrected this issue at all. All XXXX bureaus said to me when I called in after the disputes is that XXXX XXXX has to correct on their end and let the XXXX bureaus know it's been corrected versus it saying verified as true when it's completely not true. This has caused my credit scores to plummet.
Product: Mortgage

Mortgage company offer to refinance my FHA loan it 's taken 3 mos for an in house loan to close and was just notified today that they can close it because I was late with a payment. I have never been 30 days late and the loan servicer also reports I have never been late. They refused to look into this and have been very delequint in getting back to my calls and emails 7+ days multiple times. Also being bounced from person o person with different stories as to why they are taking so long. Even supervisor took 7 days to return my call or emails. I have not heard from the loan officer for over 20 days With no exploration to me just " we will look into it '' I also have an email from the loan officer asking me not to make the payment in question. I did not on his request but did when I found out the loan have n't closed yet but I was not 30 days late. They are aching this missed payment as why they ca n't close the loan. I feel they are untruthful and will not give me an explanation that makes since or return my calls to answer my questions. Also sent me a letter stating loan was in default but I have receipt for all payments and they are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with XXXX I settled it and it wasnt updated I disputed the information and Experian said the debt was verified. And I submitted the letter I received showing it was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent, un verified inquiries on my Transunion credit. I have contacted all parties involved. have not been able to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect account in collections. Date Experian was notified : XX/XX/XXXX. Date Experian allegedly validated debt XX/XX/XXXX. Submitted re investigation request XX/XX/XXXX. Experian claims valid debt XX/XX/XXXX. On XX/XX/XXXX I investigated the matter myself by speaking with the company in which I had the supposed debt with. Company unable to validate debt. Experian violates the provisions under the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the continued presence of fraudulent items on my account, despite my previous attempts to resolve this issue. The persistent failure to remove these fraudulent items has caused me significant inconvenience and distress. Despite assurances from your support team that the matter would be resolved promptly, the fraudulent items remain on my account. The continuous delays and lack of resolution are unacceptable. Given the severity of this issue and the repeated failures to address it, I am now seeking assistance from you. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to remove the fraudulent items and a plan to prevent such occurrences in the future. Kindly help me remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX, who told me to contact the credit bureau when i told them the information reported is incorrect. This account was paid in full 2021 XXXX. I paid this account in full while i was in XXXX XXXX  in the military. I paid over {$500.00} then my mom later told me she had a letter with them attempting to settle for {$220.00}, when i already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had    XXXX     XXXX   XXXX  accounts that were included in my  2013    Bankruptcy that was  discharged  years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. td bank - wrongly posted a late payment on my XXXX  credit report on - XXXX XXXX. 2. TD BANK has admitted their error in writing. 3. i have explained & uploaded the letter to XXXX the letter from XXXX & XXXX. 4. but after 30 phone calls, 80 hours of phone & internet time, nothing has changed! 5. I HAVE A LETTER from TD BANK saying i did nothing wrong, td was at fault & it requests that XXXX remove the late posting 6. i am a XXXX XXXX XXXX XXXX, and XXXX XXXX  and thus situation is making my health worse. 7. its also costing great physical & financial problems. - i NEED HELP! please help me in this matter. sincerely.. XXXX XXXX, XXXX and XXXX XXXX emoji derogatory information immediately. XXXX  theres nothing at all, they seem to only care about the corporations, and not the individual who needs help
Product: Money transfer, virtual currency, or money service

PayPal is requesting payment from me in the amount of {$1100.00} following disputes with XXXX XXXX XXXXXXXX : Dispute # 1- Case XXXX ( {$490.00} ) and Dispute # 2- Case XXXX ( {$690.00} ). On XX/XX/XXXX and XXXX, I filed disputes with PayPal through the Resolution Center regarding transactions with XXXX XXXX XXXX  ( XXXX  ). Although I sent documentation of my conversations with XXXX XXXX XXXXXXXX 's customer service indicating that I would be refunded in accordance with the company 's refund policy, I continued to receive emails from PayPal stating that I did not provide evidence to support my dispute. I made several attempts to reach PayPal by phone, and each time, received messages that customer service could not be contacted by telephone. After being unable to reach PayPal by telephone, I filed disputes with my credit card company and financial institutioXXXX, which were resolved in my favor. I've made several attempts to resolve this issue through PayPal Assistance messages. Each message was answered by a different person who " cherry-picked '' which question they wanted to address. I do not believe that my dispute was reviewed or investigated by PayPal. It appeared that a blanket decision was made on my case without reading my documentation or investigating the matter. As the intermediary agency, PayPal needs to contact the vendor and request a refund since my financial institutions have already resolved the issues on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX lists XXXX XXXX as the source of verifying a Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report. I requested verification of this public record and XXXX claims that they verified it through XXXX XXXX. There is supposed to be a Security Freeze on my XXXX XXXX consumer file since XX/XX/2016. XXXX failed to accurately honor my request of verification of this public record by informing me that they verified through a FROZEN consumer credit report. I am attaching the results displayed of the so-called investigation of XXXX 's findings and a copy of my LexisNexis consumer XXXX that shows the date of a security freeze that I placed on my file in XXXX of 2016 to avoid further fraudulent activity in my name. My XXXX XXXX consumer report is supposed to be FROZEN until I lift the freeze. I HAVE NOT LIFTED THE SECURITY FREEZE. XXXX XXXX is listed as the source of verification which leads me to believe that XXXX is not being factual about investigating this item on my credit report if they claim that they retrieved the results from a consumer account that clearly has a SECURITY FREEZE IN PLACE. I DEMAND Immediate deletion of the Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report.
Product: Payday loan, title loan, personal loan, or advance loan

NO ACTIONS TAKEN REACHED OUT A FEW TIMES TO CFO XXXX XXXX, AND CEO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Mortgage

We closed on a mortgage with a prepaid escrow account that was well over-funded. The servicing was transferred to SPServicing before our first payment was even due. I realized our escrow was over-funded and requested an escrow review. They did the review to find the same conclusion and said a check would be mailed. They claimed the check was mailed XXXX  via regular mail but has not been mailed ( and verified by them ) and today is XXXX They claimed property taxes were paid XX/XX/XXXX but were never paid. I paid them myself so as not to be late. As of today, they claim they are talking to escrow to get the money but they already told me the check was cut but not voided ... and just needed to be mailed. I requested XXXX as the check is for XXXX XXXX  I have been on the phone with them over 6 times since XXXX XXXX XXXX  trying to get this resolved. The escrow account no longer shows the overage and is correct, but the check is still not in my possession over a month since they said it was mailed. I have lost opportunity to use that money for investment, interest gain, and life ; not to mention it is not theirs to keep. The taxes, had I not known, would be delinquent causing fees and interest to be paid and a lien if we never did anything about it. They rarely let me talk to anyone other than the rep that answers the phone. I'm not sure if this is illegal but feels like it.
Product: Debt collection

On XX/XX/XXXX, I was informed by my bank, there was a lien placed on my house by Rausch,  Sturm, Israel, Enerson & Hornikllc. When I contacted them, I asked why this lien was placed on my house. They stated, it was a debit from capital one. I told them this was not my debit. The birthdate they had was not my birthdate. I disputed this twice and I never received a response. I was trying to get a equity loan but I could not do it because of this lien. My bank told me I could put this debit on my equity loan all I needed was a statement from them. They could not provide me that information. They stated they could, I waited a week and they still could not provide me this information. I decided to pay the debit and they still have not taken my house off of the lien. I paid them on XX/XX/XXXX th and I have been asking for a release of lien letter and I have been getting different answers of why they have not sent me this information. I went to my county court house on XX/XX/XXXX and they stated they have not received any paperwork that I paid this. I showed them my receipt and they stated they did not know why I haven't received the release of lien letter. I called rausch and I was told that they sent me and my county court a letter on XX/XX/XXXX stating the debit was paid and they could not email me the letter. I have not received any letter. This company has been telling me that they were going to send me this letter for XXXX weeks and now they told me they can not. This is a horrible law firm. They bought this fraudulent debit and put my house on lien without my knowledge. How much longer do I have to wait for a letter on a debit I paid that was not mine.
Product: Debt collection

BROWN AND JOSEPH LTD is a debt collection company that has continued to send me letters and call me on the phone regarding a collection from XXXX XXXX. This collection was included in my bankruptcy and has already been discharged in XXXX 2015.
Product: Mortgage

The servicer ( Select Portfolio Servicing, Inc ) refuses to accept my payments.On XX/XX/2018, I tryed to make a {$1000.00} payment which is more than one payment ( My regular payment is {$690.00} ). The servicer ( Select Portfolio Servicing , Inc ) Refused to accept my payment. The servicer is purposely not accepting my  payments and is trying to take away my home through foreclosure. Please help!