23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, 2017, I received a letter ( see attached ) from Weltman, Weinberg & Reis Co., LPA ( hereinafter WWR ) attempting to collect a debt from their client XXXX XXXX XXXX ( XXXX XXXX ). Their file number is listed as XXXX. The first issue with the letter is that it does not comply with the Fair Debt Collection Practices Act ( hereinafter FDCPA ). The FDCPA applies to all debt collectors, of which WWR are. The FDCPA also states the attempt to collect a debt must include the verbiage of " this is an attempt to collect a debt and any information obtained will be used for that purpose '', of which this letter has none of that. I will not go into all of the violations that are present with the letter though for future legal action may be taken by me. My main concern is if this firm were to have done even the slightest bit of investigation from the documents XXXX had to have submitted to WWR they would have seen I was not liable for this debt. This debt arises out of a contractor who hit a utility line on my property. At no time when this happened was I home or operating any heavy equipment, which was noted on XXXXXXXX XXXX  investigation. In the state of PA, under PA Act 287 section 5, it is solely the contractors responsibility to call to have lines located or the one operating the excavator to call, neither of which was me. Therefore, their threat to take legal action against me is not allowed by law and is against federal law to threaten. Also, after having graduated from XXXX XXXX, and XXXX XXXX XXXX, I find it to be a little upsetting, and possibly an ethics violation, to have this XXXX XXXX XXXX use the term Partner under her name at the top center of the letter. This is misleading as if she is qualified to practice law or holding a J.D. degree. Many lay people would associate this as Partners in a lawfirm and she is holding herself out to be a Partner of what?? If they use the excuse they were not trying to collect it from me and are only going after the contractor then this letter is also a violation of the FDCPA. I find it appalling and downright illegal that a firm with this many offices can not even abide by the FDCPA. The proof is in the copy of the letter. A 1L in law school could write a better debt collection letter. My reason for filing this complaint is because this may help someone else who does not have a legal education and is taken advantage of by this firm. It is free for me to defend against these violators of federal law, but for others it may cost them their home, or car, and this firm needs to be stopped. I left a voice mail for this XXXX XXXX XXXX and I received no reply. If this firm decides to take any further unlawful action against me I wanted it documented that they were well aware if they would have done a simple investigation into the matter they would have seen that I legally owe no debt to them or XXXX under the laws of the State of Pennsylvania.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  IS STILL REPORTING 2 MORTGAGE ACCOUNTS ON XXXX SINCE XX/XX/2015. XXXX MUST NOTIFY XXXX   REPRESENTATIVE AND MAKE SURE YOUR CREDIT REPORTING BILLS ARE PAID TO XXXX.LOAN NO.XXXX
Product: Debt collection

I have contacted Credit Acceptance 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, XXXX has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
Product: Debt collection

In XXXX of 2018 I signed a Home Affordable Mortgage Agreement to modify my mortgage loan serviced by Penny Mac. At the time of the modification Penny Mac secured a partial claim from HUD to bring the account current and establish a new payment. The first payment was due XX/XX/2018. However they did not disclose how the funds received from HUD were applied. I received a statement in XXXX of 2018 and XXXX of 2018 showing several payments of XXXX with no explanation. I called Penny Mac multiple times requested a statement of the charges that were covered with the HUD credit balance and my payments. They have failed to provide this information ; they only stated that it went towards " fees '' but have not provided any explanation or documentation of the fees. Based on this information and lack of providing proof of the debt and how the HUD funds were applied I believe balance reported is higher than the actual amount owed on the mortgage. There may have been an accounting error. I need assistance in investigating the validity of the debt since they have failed after multiple attempts to provide a written explanation of how the funds were applied and the fees they charged me. I'm not sure they are in line with what HUD allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX is incorrectly reporting my account first 60/90 days late when the balance was paid off in full. They are ruining my credit rating with this nonsense account and being dishonest with their reporting. I am not past due nor have I ever been late 60/90 days. They need to remove this dishonest reporting ASAP it is affecting my mortgage loan approval. I will never ever use this company again for their deceptive practices. Please have them to remove this inaccurate information promptly.
Product: Credit card or prepaid card

I am writing concerning fraud protection provided by Chase. Earlier this year I purchased ( using my Chase credit card ) what I thought were name brand shoes from a well know brand. The site was clearly the same site I had viewed previously but showed a sale. With the rare sale I purchased the shoes. Over the next weeks when the shoes did not arrive I reached out to the retailer, but they did not have any record of my purchase. Instead it became clear through discussions with the manufacturer and email correspondence with the spoofed website provider that I had counterfeit product. I have confirmation that this is clearly fraud. Chase advertises fraud protection. Their investigation only confirms a payment was made through XXXX system. It was to a XXXX company that does construction. This was clearly a fraudulent transaction in which Chase refuses to honor their fraud protection. Their only excuse is that the payment was made to this other company. I have again and again pressed Chase to keep their word as well as the counterfeit retailer. Fraud protection is not fraud protection at Chase today. In my experience other card carrier has ever held back on fraud cover where there is true and clear fraud. I have also never put in a similar claim with Chase.
Product: Debt collection

On XX/XX/XXXX, Midland Credit was sent a certified letter disputing two accounts that appeared under this company name ( receive date :XX/XX/XXXX ) With that being said, they actually added a third account after receiving my letter of validation. My letter asked for evidence bearing my signature, that I have an obligation to pay them Today is XX/XX/XXXX, I  have not received a validation of either account. I called XXXX as well, which I was told Midland Credit has not added my dispute to my credit file as require by law in the 30 days of disputing. Unfortunately ... .after speaking to XXXX XXXX XXXX  has now placed the dispute on my file. at this point, Midland is in violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the FDCPA 4. ) Violation of the FCRA
Product: Student loan

I have contacted DEPTEDNELNET to inform them of my current financial situation and to make them aware that I am unable to pay my student loans at this time. Despite my attempts to communicate my financial hardship, the loans remain on my credit report, and I am seeking assistance in resolving this matter.
Product: Credit card

Capital one closed all 4 of my accounts including my business credit card. When asked why I was told because of fraud. I asked for an explanation and was told they can not give me a reason. I then asked to speak to a Manager who then came on and advised that the reason was because the credit card company trusted me and I broke the trust so now I " can't be trusted ''. I went ahead and mentioned that I am in the process of a home purchase and by this action, my scores will drop. They said they still can't do anything.

Since opening the accounts, I have never been late on any of my credit cards including the ones I have with them and have been with them for over 5 years. I also have no late payments in the last 6 years, my scores were in the XXXX 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

On repeated occasions, it was requested that the debt under U.S. Bankruptcies be verified with the original creditor and not LexisNexis. I deny the debt and the entries on my credit report.

1. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of third-party debt collectors. Under this law, if you dispute a debt, the debt collector is generally required to provide verification of the debt and cease collection efforts until the verification is provided.

2. Fair Credit Reporting Act ( FCRA ) : The FCRA governs how consumer credit information is collected, reported, and used. If the entries on your credit report are inaccurate or unverified, you have the right to dispute them with the credit reporting agencies.

Fraud and Identity Theft Under 15 USC 1681b, consumer reporting agencies are allowed to furnish consumer reports to individuals and entities with a permissible purpose. Permissible purposes include : 1. In response to a court order or federal grand jury subpoena.

2. For legitimate business needs related to a credit transaction.

3. For employment purposes, such as when an employer wants to conduct a background check on a potential employee.

4. For insurance underwriting or determining eligibility for insurance coverage.

5. To assess a consumer 's eligibility for a government license or benefit.

6. In connection with a legitimate business transaction initiated by the consumer, such as applying for a loan or renting an apartment.

7. To review a consumer 's account for account monitoring or account review purposes.

I have requested documentation from LexisNexis on what is reported on their report under my name and for removal of a third party report for bankruptcy. I have never received the information. I was told through XXXX that they are the entity reporting the bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX. They sold it in XX/XX/XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XX/XX/XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with 1st Franklin Financial ( XXXX, TN ) on XX/XX/XXXX, at which time I permitted 1st Franklin to run my credit. I was approved for the loan, which was due on XX/XX/XXXX. 
I became unemployed on XX/XX/XXXX & contacted 1st Franklin Financial ( XXXX, TN ) to inform them of my job loss & that I would not have a payment. I have spoken to every employee in that office including the XXXX XXXX  with updates on interviews & whether or not I was selected for a job. I have received several harassing calls from this office as well as from other 1st Franklin locations & unknown numbers that they have shared my file with, even though on every call I am letting them know my situation has not changed and that I would update them once I found a new employment. 

On XX/XX/XXXX, I received an alert from XXXX that a XXXX  XXXX  was blocked from 1st Franklin Financial. 

On XX/XX/XXXX, I received an alert from XXXX that a New Hard Inquiry had been added to my credit report from 1st Franklin Financial.

I contacted 1st Franklin Financial XXXX XXXX and did not get any results.
Product: Mortgage

Following up from our previous complaint, XXXX Mortgage services issued a couple of checks in strange numbers using our mortgage payment. We were never late in our payment and never missed a payment. We certainly did not advance any payment either. We did not cash these checks because they were our regular mortgage payment. 

We are seriously confused : why our mortgage payment was sent back in more than XXXX checks? 

We also received a letter stated : XXXX Notice of late charge on XX/XX/year>. We are even more confused : why send out mortgage payment back and then issue advanced notice of late payment? 

Does this company routinely send customer 's mortgage payment back and then ask for more payment? Can a competent professional in the company take a look at our account before doing any math? These are simple math and not complicated. 

Please correct your math and stop sending XXXX Notice XXXX XXXX payment. Or any stupid letter because you have sent our payment back to us. 

Please correct our account and stop bothering us with wrong notices and provide us with a competent mortgage services. We will continue to escalate this issue until a competent service is provided.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I requested a broker price option because the value of homes where I live has risen significantly and I believe I have enough equity to stop paying PMI. A sunwest mortgage company representative told me XXXX was an option and took my payment information by phone to move forward with the process. I waited over a month for a reply and received a voicemail telling me that I'm not eligible because I requested a forbearance while I was furloughed from work during the Covid shut down in 2020, almost a year ago. My account has always been in good standing, the forbearance period was the only time any of my payments were not made. Those payments were made before they were due at the end of the forbearance period. I don't think I should be disqualified from a XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

HI LVNV FUNDING/XXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX an
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information in my credit report. Another person named " XXXX XXXX '' keeps coming up on MY credit report file. I need this removed IMMEDIATELY. 

I have sent letters proving MY identity, emails, and EXPERIAN DOES NOT ANSWER THEIR PHONE. EXPERIAN and other credit report companies have so much POWER over citizen 's lives with CREDIT REPORTING, YET THEY DON'T EVEN HAVE ANY LIVE CUSTOMER SERVICE PEOPLE TO HELP WITH ERROR OR FRAUD!! 

I AM GOING TO SUE THEM IF THEY DO NOT FIX THIS ON MY CREDIT REPORT IMMEDIATELY!!! 

XXXX XXXX XXXX
Product: Debt collection

I have used both Avio Credit and XXXX XXXX in XXXX. I was paying on time for almost a year until XX/XX/XXXX, my work hours was cut due to Covid-19. I can not afford to pay both online payday loans at the time. How did I go from owing {$700.00} to {$1900.00} just like that? 
It's already bad they charged very high interest rates. 
Now a collection company named Ad Astra Recovery Services are reporting on my credit report for both companies. Im a Virginia resident. Online payday loans are not legal especially due to the high rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$1000.00} XXXXXXXX XXXX-Balance {$12000.00} XXXX-Balance {$3700.00} XXXX  XXXX-Balance {$160.00} XXXX XXXX XXXX444796232750****-Balance {$570.00}
Product: Credit card or prepaid card

I have seen multiple accounts opened at SoFI and I dont have any accounts with them. They have not defaulted but my personal information is being leveraged fraudulently. I have frozen my account with all credit reporting agencies. I have called SoFI numerous times and their fraud department seems to not exist at all.