23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received multiple calls by this company over the last week. Upon answering, I was told the reps name and that I was on a recorded line - and she asked for me by name. I refused to answer and instead asked for the company name. The rep would not answer me, never told me what company they were with, and asked me again if I was the person shes trying to reach. When I said I refused to answer anything if she wont tell me the companys name, the rep hung up. They have since attempted calling me three more times. 
When I called the number back, it greets with Phoenix Financial as the company, which is a debt collector. I have received one bill notice via physical mail from this company in the past, about 6 months ago ; but I have no record on the origination of the debt they are requesting to collect. When they sent the letter, it didnt specify where the initial debt came from. I feel as though this is a scam tactic to collect money that I dont actually owe.
Product: Vehicle loan or lease

In XXXXXXXX XXXX  XXXX I leased the car from XXXX XXXX XXXX XXXX XXXX XXXX NY ). The leasing company would be Kia Finance, Account Number available upon request.

At this time, Kia Finance would be the title holder. 

XXXXXXXX XXXX XXXXXXXX I had completed a lease buyout through XXXX XXXX, Account Available upon request. 


I called XXXX XXXX customer service to request a duplicate title. They had told me that since XXXX received the title, I would have to request a duplicate from them/have XXXX request from the DMV. 

Reached out to XXXX, they had advised that they never received the title. They suggested that Kia orders it. XXXX has never received the original title and had therefore not been able to file on my behalf. 

Ive contacted Kia Finance multiple times and requested to speak to their supervisors. Neither the representatives or supervisors were willing to order a duplicate. Nearly every rep had said that since the title was sent to XXXX, they would have to put the request through. 

This went back and forth for about three months. A supervisor at XXXX was in direct contact with me. She had believed Kia was going to request a duplicate from the DMV. This ended up never being requested and XXXX has not responded to my last three status requests.

Kia Finance has now refused multiple times to send me or XXXX a duplicate copy as they believe they are not the Title Holders. 

Ive attempted to have XXXX XXXX Kia request a copy. The first time I went in, a representative gave me an Odometer statement to submit to Kia Finance. She claimed this would correct the title issue. Nothing was every confirmed to be received and no updates were made to my title. 

I visited the dealership a second time and was told that since it was the end of the month, they were unable to assist me. I scheduled a follow up for XXXX. 
When I went back in, the title/billing representative had said she would request the title from Kia Finance directly/her contact there. I followed up a week later as I didnt hear anything and was told that Kia Finance had not responded.

Ive reached out to Kia Corporate as well. That was shooed away and they did not seem to understand the situation. 


I also had filed a complaint with XXXX XXXX XXXX and had just recently requested to keep the case open. Kia has never reached out to me regarding this. 
File number available upon request I've now had to hire an attorney to draft a demand letter as well as file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter asking for verification of inaccurate accounts listed on my credit report. i didn't get a response so i sent another letter on XX/XX/2020. Still no response. I sent a 3rd letter on XX/XX/2020. still not response
Product: Credit reporting, credit repair services, or other personal consumer reports

Portion of my FedLoan has been forgiven. But, the loan balance is overstated on my credit report.
Product: Credit card or prepaid card

On XX/XX/21 I was sent a credit card in my name and someone else name. I never requested a credit card from Citibank. I called Citibank whom ever opened the account has my correct name, address and social security number. They used a different phone number and email. The card was not used and cancelled. As of today I do not know of what else they maybe using my info to obtain. I have contacted credit bureaus, bank and other accounts. I am waiting for Citibank to investigate this. And waiting for a copy of my account information from credit bureau to verify info. I have filed a police report. Contacted Social Security Office. I am not sure what else needs to be done. Any advice will be appreciated. Thanks,
Product: Mortgage

It appears that the Ocwen mortgage loan and the XXXX XXXX bank loan are showing as XXXX separate mortgages. The XXXX loan was transferred to Ocwen during the Short sale process. I was told that due to the opening dates being the same, it is appearing to other potential lenders that they are XXXX separate mortgages. This is severely affecting my borrowing abilities and request it be taken care of. Neither lender will work with me on this dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax I am writing to dispute the inaccurate and outdated reporting of the account listed under XXXX XXXX XXXX, Account Number # XXXX on my credit report. This account has been reported beyond the legally allowed time frame, which violates the Fair Credit Reporting Act FCRA Section 605 ( a ) : Limits the reporting of negative information to seven years from the date of first delinquency. The account in question has exceeded this period and should have been removed.
Product: Payday loan

Someone continuously calls my home and family members about a bogus payday loan. They are threatening me with sapena and legal threats. In XX/XX/XXXX or XX/XX/XXXX I did take out a payday loan but I do n't remember the name of the payday loan that I used. The people who called me lead me to believe that they were representing the payday loan that I supposedly used. I asked them to send me documentation stating in writing that I owe them money. They said they would send me an email pertaining to the outstanding payday loan.Due to the scare tactic of them threatening to come to my job and constantly calling my family and me numerous times. I set up a payment arrangement. As I was giving them my information they said they can only take credit cards or debit card prepayments. And so I agreed but once I got off the phone with these scammers I looked up their company name that they gave to me over the phone and the internet revealed that the company is not to be trusted. They are scammers. I have 4 prepayments set up starting on XX/XX/XXXX. I am unable to cancel the payment arrangements and /or prevent them from using my debit card or personal information.
Product: Debt collection

Stuart Lippman and Associates based in XXXX, Arizona first called me on Thursday, XX/XX/XXXX at XXXX. XXXX XXXX spoke to me over the phone. She stated the name of the person she was wishing to contact. For the purpose of this report, let 's call him XXXX. I informed her that I was not XXXX and asked her to please not contact me again, as I am obviously not the right person. I received another phone call from XXXX XXXX on Thursday, XX/XX/XXXX at XXXX. Exactly one week after I informed her that I was not XXXX. I believe they record all of their phone calls so all of this information should be available to them to listen to again. I missed their first call, so I called back on the same day ( XX/XX/XXXX ) at XXXX to once again ask them to stop contacting me. On the call on XX/XX/XXXX at XXXX, I informed XXXX XXXX once again that I am not XXXX. Again, I requested that she not contact me further as I have no debts, am NOT XXXX, and have already requested once to not be called. I asked them to place me on a " do not call '' list and XXXX informed me that they don't have a " do not call '' list. I told XXXX that it was illegal for her to continue contacting me, as I have requested she stop calling, AND informed her twice that I was not XXXX. In response, XXXX stated, " well then have your dad call us back. '' I believe the behavior of this company and XXXX XXXX is absolutely inappropriate. XXXX XXXX 's actions on behalf of her company were a direct and illegal breach of the Fair Debt Collection Practices Act of 1978.
Product: Credit reporting or other personal consumer reports

In XXXX i requested my items be removed and updated. Ive never received paperwork. Now im forced to file a complaint. Attached is the letters i sent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but XXXX XXXX XXXX posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted XXXX XXXX XXXX and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from XXXX XXXX XXXX that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX  was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that XXXX XXXX XXXX was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Equifax, XXXX & XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  11/21
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Debt collection

To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loan has been taken over by XXXX Department and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and spoke with XXXX, the call code is XXXX. I informed XXXX that I did not authorize and have no knowledge of two inquires that are currently being inaccurately reported. Neither inquiries from XXXX XXXX XXXX  or XXXX XXXX XXXX were authorized by me. XXXX informed me that she would flag the inquiries but would not remove them unless a police report is filed. I do not have enough information to file a police report because I do not know who committed the fraud. I do know that Transunion is obligated to follow FCRA regulations when reporting my information and they are currently in violation of multiple FCRA regulations. They are reporting inaccurate information. They have been notified by myself that the information is inaccurate as of XXXX XX/XX/23. When given the opportunity to correct the information they refused multiple requests and continue to illegally report the errors.
Product: Credit reporting

I disputed my XXXX account ( XXXX ) with Experian, due to the fact that the account has reached its seven years and should be removed from my credit report. Experian claimed they verified the account but did not provide me with a date the account was paid and closed, which is not showing on my credit report. This means they are in violation of the FCRA.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX fraudulently reported and sold a debt of a closed and fully paid off account resulting in undue stress and hardship. Lease was paid in full XX/XX/2020. XXXX showed unprofessional and unethical behavior by trying to charge me for fraudulent and untrue claims of poor vehicle condition upon lease return. They requested payment for " internal melted headlights '' and micro scratches. Of note XXXX held and paid a service contract on this vehicle because it was a XXXX vehicle and had strict service requirements. Despite being serviced by XXXX several times the headlights were never found to be a problem and were in perfect working order. Also of note the vehicle was returned in excellent mechanical and cosmetic order. I contested any and all claims for poor condition. XXXX did wave the requested fee for the headlights and stated theose were due to design flaw on the vehicle but refused to waive the fee for the " micro scratches ''. Of note lease law and contracts does allow expected wear and tear on a leased vehicle, it does not allow abuse to the vehicle or damage as the result of abuse. How a car can be driven for years and not have a micro scratch is not possible and also hints to likely very large and ongoing consumer scam by XXXX to defraud the consumer out of funds at the end of a lease. XXXX illegally and fraudulently reported and sold a paid off debt to Constar Financial Services , llc. resulting in undue stress and hardship on me. I am sure XXXX has done this to others and it needs to stop.
Product: Checking or savings account

The best way to make a point to the best of all the Wells Fargo account for the last 5 months of this year and I have to say that it took me a bit to find a problem with the bank account wasn't enough money to pay and then Wells Fargo had to go and pay for the bill and they had charged me for overdraft and they had been paid by me and I was charged for it by the time I got it XXXX I am on fixed in
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced XXXX XXXX in XXXX and in the Divorce Decree it listed a property at XXXX XXXX XXXX , XXXX XXXX TX XXXX as her having sole possession and me giving up all rights. I have not received any bills, letters, or notices about this property in the last 9 years as XXXX XXXX was awarded the property. XXXX XXXX past in XXXX of XXXX. I did not find out until I visited with a mortgage lender about getting a loan to purchase a home for myself. That's when I found out that the the property on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX serviced by PHH Mortgage listed my name as the primary borrower and the XXXX XXXX never refinanced the property as required by law. 

I have contacted PHH mortgage to see if the house can be removed from my credit report as I no longer owned the rights to the property. PHH mortgage advised me that due to me being the primary borrower they could not remove me per the mortgage agreement and that they do not honor divorce decrees.They did mention that if I want the late payment reporting to stop I could refinance the property and they would move all overdue payments to the back end of the loan. I told them this is not an option as I have no rights to the property which also keeps me from selling the property. I also asked them why they did not notify me that the account was derogatory and that they were reporting as such on my credit report. Federal Law requires them to contact me before reporting negative information. They did not notify me nor did they give me an answer as to why they never sent me any information, documentation or notify me the last 9 years. 

Since XXXX XXXX 's passing in XXXX, her daughter XXXX XXXX XXXX and her husband have been living at the property and have not made any payments since XXXX XXXX passing. The daughter, XXXX XXXX XXXX has been attempting to refinance the property into her name and did a loan modification in XXXX since her mother XXXX XXXX willed it to her without my knowledge of any of it until recently as I was attempting to secure my own mortgage.

I have sent PHH three letters explaining this to them and asking them to remove the account from my credit report since I have no legal rights to the property. PHH only responded one time, under a different mortgage companies name of " XXXX '' with a computer generated form letter that did not address the issue. I asked for documents pertaining to the loan and they will not send them. I then hired XXXX XXXX, Attorney at Law who sent a letter of intent which PHH never responded to. I then contacted the XXXX XXXX courthouse to see if the order of the property awarded to XXXX XXXX can be reversed but they can not change the decree since she is passed away. 

Now, PHH Mortgage is ignoring our letters, and requests for documentation, or helping us find a solution to this issue. They are still reporting this mortgage that I have no rights to on my credit report. The property is about to foreclose because they will not work with the owner and occupant of the house, XXXX XXXX who wants to finance the house in her name and make payments.
Product: Vehicle loan or lease

I currently reside in XXXX and my vehicle is registered in XXXX. I paid my loan off in XXXX. Wells Fargo Dealer Services told me they released the title on XX/XX/XXXX to the XXXX XXXX XXXX and the only way I can get the title is if I fly to XXXX XXXX and go to the XXXX. I asked if they could request a copy and just send to me and he ( XXXX from Wells Fargo Dealer Services ) told me he could not. I was not able to speak with a XXXX I had to leave a message and get a call back in XXXX. XXXX also said he can send me a XXXX release letter but he knows XXXX XXXX wont accept that ; which why offer if you know that is not going to help. All I need is my car title that I paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that this company had done two hard inquires on my credit without authorization. I have not applied for a loan from them since XX/XX/XXXX or XX/XX/XXXX, The company name is, Citizens Savings & L Inquiry from XX/XX/XXXX Citizens Savings & L Inquiry from XX/XX/XXXX
Product: Debt collection

I contacted LVNV in XXXX 2015 about this account. LVNV responded stating that the account and his trade line will be deleted on or before XXXX XXXX. However LVNV continue to report the account. I am attaching the document that LVNV sent to consumer Affairs about the account. However LVNV is still reporting it to the credit report agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre showing my account is closed with late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations.

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}