23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service . 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

XXXX XXXX XXXX  DELETE THIS ACCOUNT PERMANENTLY!!!
Product: Payday loan, title loan, or personal loan

Currently have a loan through Quickbridge. All payments are current but I will be shutting down my business shortly. Im halfway through the loan and have been trying to make arrangements for payment modifications in order to continue to pay. All efforts have been denied and a lawsuit threatened if the current schedule was not kept.
Product: Checking or savings account

I received a notice about a savings account being opened under my name on XX/XX/2023. I confirmed with the company on XX/XX/2023 that my information was used to open an account without my knowledge. I had forwarded the emails I received from the company and had the company close my accounts on the same day.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I sent a letter to ( LVNV FUNDING LLC ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( LVNV FUNDING LLC ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
Product: Mortgage

I originated a loan with XXXX in XX/XX/XXXX for a conventional 360 fix with twenty percent downpayment the monthly payment is XXXX for a cooperative apartment. This did not require an escrow account for taxes and insurance. Then the loan was sold on XX/XX/XXXX to XXXX XXXX. Then transferred to ( Greentree mortgage ) who requested a copy of my homeowner 's insurance policy, in XX/XX/XXXX. which I provided. Then ( Ditech ) became the Servicer for Greentree. who requested the homeowner 's policy starting in XX/XX/XXXX as well. I provided them the policy, then they requested a copy of the Structural insurance policy, ( the Master Plan policy ) which after tracking down the co-op board to request their policy, it was sent to Ditech as stated, to assign them as the mortgagee. In the early part of XX/XX/XXXX. However, Ditech continues to bill me for this insurance policy regardless of, and they are applying my mortgage payments to this force-insurance policy, and they are saying, we are behind on our mortgage payment and reporting it to the credit report as such. They have been documenting my credit report since XX/XX/XXXX as non-payments ' which I clearly told Ditech, that this is a Co-op, which the co-op corporation is responsible for this master policy. I was in Bankruptcy since XX/XX/XXXX and was discharged on XX/XX/XXXX. Ditech was sending all my documents to the bankruptcy attorney and still continue to send all their correspondence to them today. I've been dealing with this issue with no avail. and at this point, Ditech has stopped accepting my mortgage payments as of XX/XX/XXXX. I called them to see why they haven't cashed the checks ' XXXX at Ditech couldn't answer as to why but stated over the conversation as it doesn't matter your in foreclosure since XX/XX/XXXX. Anyway, I am confused, if I've been making my mortgage payments, how can you have me in foreclosure status. Can you please help to resolve this issue as you can see I have been trying to solve this since XX/XX/XXXX, with no avail.
Product: Debt collection

XXXX XXXX stated they bought the debt from Uplift. I informed Uplift that I never took out a loan from them and had never heard of them before. The amount was {$2200.00}. They could not even tell me where I lived or who they sent the money to. They only tried to get more information about me, so I assumed they were a fraudulent company. They then turned it over to XXXX XXXX. I informed the new company of this and they just keep trying to get me to make a deal. This is not my debt and I do not plan to pay it.
Product: Credit card

Please review the documents I've sent. I'd like the bureau to initiate an inquiry into these accounts where I've never been overdue, yet they're recording me as such.
Product: Checking or savings account

Case # XXXX My online acess with Penfed Credit Union was blocked for suspected fraud. I have a checking account and a joint savings account with my husband. I called and verified the transactions. I was not allowed to speak directly with the fraud department. The person filled out a report and said someone would be in contact with me. When I didn't hear anything back, I called again and was told I needed to submit a bank statement. The transfers were made to an app that does not generate bank statements. 

I took screenshots that showed the transactions in question along with the name, account number, and routing number, I uploaded those to the website url I was given. Per the website I was told I'd hear back within XXXX hours. I did not hear back, so contacted them again. I received an email that the documents were forwarded to the appropriate department for review and I would hear back in XXXX hours. 

I still have not heard back, can not access my online banking, or any funds. I have never had issues verifying transactions with any banking institution until now.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I went to purchase a car and without my permission my credit was ran through multiple creditors who ran my credit multiple time causes me to have over 20 credit inquiries. I did not give permission for any of these companies to run my credit
Product: Mortgage

We are in the process of refinancing our home with Freedom Mortgage. 
We started the process back on XX/XX/XXXX. At that time our estimated close date was the XXXX of XXXX. I have had to reach out each time to communicate and ask for an update on the status of our loan. 
We have provided all documents that the company has reached out about in an extremely timely manner, same day or very next day, so clearly we arent holding anything up. 

After reached out to one of the customer service reps, XXXX, at the beginning of XXXX, since we had heard nothing and we should be closing, we were told that they had everything and the close date was pushed back to the XXXX of XXXX, not a problem. 
We then received phones called on the XXXX, XXXX and XXXX of XXXX stating that they had everything they needed but were waiting on a third party, XXXX, for subordination, fine. 
We then received a doc u sign email on the XXXX of XXXX stating that we needed to provide more document, weird since the last 3 weeks we got calls about how they had everything. 
So at that point I called our original rep, XXXX, to ask what these were about, since they came from his email. 
I spoke with XXXX who had no idea why we would have gotten that. He did let me know that they needed updated info since it was taking so long. 
One of the question they had for my husband was about his parents address, somehow the underwriters need an explanation for it, but ever had a question about it in the beginning when they pulled his credit. 
After providing everything, even things that XXXX missed on the email, by XXXX the following morning, we still had no update. 
I had also asked XXXX the following evening to have a supervisor call, no one did. 
I then asked XXXX to have his supervisor call me, this was on the XXXX, which also never happened. 
I ended up reaching out to XXXX the morning of the XXXX and asked to speak with his supervisor, in which he transferred me to XXXX XXXX. 
I spoke with XXXX and expressed my concerns about the process of the refinance and how frustrated I was with the extreme lack of communication. 
He stated that he would look over our file And figure out what was going on and either call or email that day with the Status, which never happened. 

I called and left two messages on Thursday, XX/XX/XXXX, and still have not heard back from anyone. 

This is extremely irritating and frustrating. 
I would NEVER recommend this company to anyone.
Product: Checking or savings account

Most recently filed a dispute # XXXX with Money Network, which is the checking account that held my unemployment funds. I saw an unauthorized transfer out of my account on XX/XX/year> in the amount of {$3300.00}. This transfer was fraudulent and I noted it as such to Money Network to no avail. They denied my claim and closed the dispute. This was my second dispute submitted to them since they also apparently messed up the first time around, but I was still denied. I am completely torn up by having so much money stolen from me, and it felt even worse that Money Network was unwilling to help me recover the funds. Please help me get my money back.
Product: Checking or savings account

TD bank opened an account without my authorization. I advised them, but they keep sending me statements and state I owe them money. I had security alert on my reports, FREEZE as well, and they should have never opened an account in my name with all of the alerts I 've had on the credit report. They do n't want to resolve this issue and closing the account. I keep getting statements that I owe them money etc. I have never opened the account and they fail to resolve the issue.
Product: Vehicle loan or lease

The reason of writing this letter is in reference to the XX/XX/2020 report that Ford credit report to the credit bureaus of my account been 30 days late. Fordcredit switch my regular monthly paper bill statement to electronic, causing for me not to get my monthly regular paper bill that I use as a reminding for a bill to be paid and causing the Ford bill no to be send promptly. I never request to be switch to electronic bill and I will never consider doing so. Again, I am politely requesting for Ford Credit to correct the 30 days late mark on my credit cause by your tricky software system trying to put Ford Credit customers into electronic statements. Finally, Ford should be more clear in the way they want for the customer to switch to e-bill not just using a sneaking way to get people to do it.
Product: Debt collection

Dear RESURGENT/LVNV FUNDING I am writing to formally dispute a debt collection account that has been reported to my credit report # XXXX I believe this account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). RESURGENT/LVNV FUNDING has zero authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) RESURGENT/LVNV FUNDING has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed. 



I request that you investigate this matter and take appropriate action to correct the inaccuracies in my credit report. I also request that the debt collector cease all collection activity on these accounts as well as produce the purchase agreement between you and the original creditor. Furnish proof that you are licensed and bonded.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation
was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Consumer Loan

I have been behind on my vehicle payments a couple of months and trying to make arrangements. I explained my situation of switching jobs and being a victim of XXXX which led to a custody battle that led to me having to come out of pocket for attorney fees. I advised a representative I could not follow through with the arrangement at the end of the month as my rent is due which is first priority, he asked me was I behind on my rent by 60 days and I could not afford to not follow through the arrangement and make the payment I agreed to pay 48 hours before the payment was to be drafted. They failed to cancel the payment from my account which is going to result in a non-suffient funds fee.
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX bal. {$190.00} Acct # XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I sent off the investigation letter to make sure all my accounts was properly investigated and properly and everything was a XXXX XXXX percent correct on my accounts and then The credit bureau stated that the account name account number was a property basket but hows that possible if the open date last active and the date report is not the accurate this is grounds for removal they also violated my rights under 15usc 1681 section 6048 section state declare the law clearly states that consumer report agencies can not furnish the account without reconstructions I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. Account opened name : XXXX XXXX XXXX XXXXXXXX. I sent a letter to Experian on XX/XX/year>. But it has been more than 35 days since the credit bureaus haven't responded. That s a violation of 15 usc 1681i ( a ) ( 1 ) ( A ).

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 though a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to delete whether the disputed information 's 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 30-days period beginning on the date on which the agency receives the notice of the disputed from the consumer or reseller.
Product: Consumer Loan

Automobile acceptance company. I got XXXX payments behind. Worked with collections to catch up. I time payments for a year prior to this issue. When I went to call for the XXXX arranged payment, the third to catch up was going to be with my taxes ( and on their records I was only XXXX days past due ), they refused my payment unless I paid in full. Refused it. If I paid it I would only be XXXX days past due which is within XXXX guidelines as paid as agreed. I demanded to have my payment taken and they refused again. I took down the address to send a payment butI know if they do not cash it payment would not be received. I am sending this by money order certified mail requiring a signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not accurately verified any of the information on my file related to this account nor have they adequately investigated the supporting documentation I have sent them including ID Theft Affidavits and Police Reports, as I have been a victim of identity theft originating back to XXXX. Instead, Experian has negligently allowed their automated disputing processing system to repeatedly list inaccurately information on my credit file causing me extensive hardship since XXXX. Below, I have listed some of the recent multiple dispute attempts I have had to file in order to have each individual account errors deleted from my credit file as it has been negatively impacting my credit score for more than one year at least : 1 XXXX XXXX Bank auto loan, open date XX/XX/XXXX a. dispute filed XX/XX/XXXX as not my account, possible fraud, ID theft Police Report & fraud affidavit provided XXXX dispute filed XX/XX/XXXX as not my account, possible merged file with someone with similar names, police report provided, affidavit of iD theft provided c. dispute filed XX/XX/XXXX as not my account, possible fraud, Police Report & ID Theft Affidavit provided Experian only removed multiple addresses and social security numbers listed on my credit file after multiple dispute requests. I assumed, Experian reviewed my ID theft report and affidavit which was sent with the dispute because the inaccurate account was eventually removed, but after months the account reappeared on my credit file with a new closed account status.
Product: Checking or savings account

When I opened up my account in 2014 never received the disclosures XXXX XXXX on XXXX XXXX I 've asked numerous times not to be contacted or advertisement to be mailed out
Product: Vehicle loan or lease

XXXX I purchased a vehicle from XXXX XXXX XXXX and In house finance co Auto Advantage Finance , LLC. When I purchased the car from XXXX XXXX the same day I got the car 20 min later I had to call them to tow it off the highway because it had stopped. Over one years time I had to have them tow it in due to just stopping on us while driving 5 times ( about once a month ). Their repair department head manager advised me if has any problem again will replace car. It had to go again they did not honor the replacement. I advise ECA that the vehicle was unsafe to drive, it was a danger to my family with husband and children and I refuse to drive unsafe car to endanger our lives. They told me to do voluntary return, which I had no choice but to do. I contacted them for 6 months to see what happens now they later filed a judgement a year later in XXXX and never would let me know when a court date was so that I could appear. I have been paying over XXXX years on a XXXX principle I have paid {$8700.00} and now have increased the interest to this every year and increasing it is now {$30000.00} they say I still owe them with interest continuing to be added. I feel this company and the XXXX XXXX and XXXX XXXX XXXX XXXX department has added so much interest and things to this that it will never be paid off. When I should not owe any way. I was not allowed to go to court to submit my side of this case. I checked with XXXX every week to get a date I was only told I did not have to show up and refused to give me a court date to appear. I looked on XXXX every day to see if filed to get a date. I received a summons i filed a dispute to the court and they was to file a default judgement on it to get a court date never did. There was a letter sent to them from XXXX XXXX district judge at OK count demanding with in 7 days for them to file a default judgement if this is owed so a court date can be set. They did not respond, until a year later they filed XXXX. I watched for a year never seen a date then all of a sudden I receive notice of a garnishment. Now 8 years later i get a increase every year for this so has tripled in interest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncs/XXXX XXXX bank ) on XXXX XXXX look at my credit I didnt do. 

XXXX XXXX XXXX XXXX XXXX ) look at my report I already have a car note wasnt me Synchrony mastercard ( bank ) look at my report those are all places I never put in for.
Product: Credit reporting or other personal consumer reports

To all these Presents come, Greetings : In accordance with provisions set forth at XXXX XXXX  XXXX XXXX, the neg accounts to Account Number:XXXX  : held with said XXXX cause on the following grounds : 1. consent was obtained through mistake, fraud, undue influer menace by any such custodian ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.
Product: Mortgage

Our home in XXXX was destroyed in the XXXX XXXX wildfire and we received an insurance check of over {$280000.00} for the loss. It was made out to our mortgage company, Nationstar Mortgage, my husband and myself. We signed it and sent it certified mail and it was received on XXXX XXXX. We noticed it was posted to our account on the XXXX as a credit but the balance of the loan was still the same. We called and went through all kinds of hoops to talk to a customer service supervisor XXXX XXXX XXXX and she said it could NOT be paid off because they could not find the notarized mortgage affidavit that we mailed along with the check. I know it was in the letter because I folded it up and placed the check inside for security. My husband told them it better be paid off and they better stop charging us interest. The supervisor said she would keep up informed and call the following day but we never received a call or any other information. The loan balance of a little over {$95000.00} was paid off on XXXX XXXX but we have not received the balance due us of over {$180000.00} dollars or heard anything from anyone else at Nationstar. They have had the money for two weeks tomorrow and nothing!