23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear sir, I am victim of CC fraud while I make my monthly bill from my CC for cellphone bills back from XX/XX/XXXX until XXXX. I noticed it lately in and around XX/XX/XXXX, but contacted the cellphone company store representative and describe why this charging is still happening while I was your customer and even after I closed their service and get cellphone service from other sister company. The representative retain copy of my CC statement and told to be contacted. Nothing back and replied. Then I contacted my CC provider and reported complaint and recorded as a dispute to follow up. Then sent me a letter to provide them with supporting documents I had, but I were not able to do so due to where to look for this docs., my first experience and luck of knowledge about it. Meanwhile the CC company sent me a new CC thinking that would help to stop the transaction and that did not stop charging me monthly {$100.00} without my authorization and knowledge. Yes here I can not deny that I had weakness to check my account transaction periodically and report as early as two three months after, but I completely relied on my service provider and CC to handle with integrity and security, but now I could not find and get any help stop my lose of money and affects my clean financial transactions and would affect my CC points if I am forced to close my CC account completely to stop the rip offs. 
I just ask your Bureau assistance to get the bottom it and get my money back. And also to be an example of such kind of victim of fraud to others. I seek all necessary technical assistance, followups and help what to do, where to begin with, how I could provide with you confidentially all necessary documents and information 's. 
Sincerely your help seeker ; Thank you, May XXXX Bless America!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with XXXX to remove acima from my credit report the balance was paid in full, why is it still being reported as a charge off account and is showing potential negative impact on my credit report. I have spoken with Acima and the manager stated nope from XXXX has requested and information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unauthorized and I submitted an initial complaint for. With XXXX, I only had three accounts. 

XX/XX/2020 XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX The follow inquiries were unauthorized and is a new complaint. 

XX/XX/2020 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I filed a proper dispute of two unknown medical accounts being reported to Equifax by XXXX XXXX XXXX ( acct # XXXX and acct # XXXX ). On XXXX I contacted XXXX XXXX XXXX with a dispute and request for validation on these medical accounts per instructions from XXXX. On XXXX I re-disputed to Equifax with a copy of my dispute/validation letter to XXXX XXXX XXXX, along with proof of the collection agencies receipt of the dispute. Equifax has refused to properly investigate or remove this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I had my mortgage company complete a hard pull to get me approved for a house. All my reports except Equifax came back with my score and information. My lender said I can not get approved until my Equifax report is unlocked. I called Equifax that same day and spoke with two agents who told me that my report has no lock, freeze or fraud alert in place that would prevent my report from being pulled. I explained that is not possible because the message the lender is getting is " Report not available ''. Due to this issue, I can not get approved for a mortgage. The lender says I have a score and report and I can see this myself when I log on to myEquifax website but the report won't be released to the lender. I am asking for this to be corrected permanently so I can use my credit as normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting inaccurate information to the credit bureau, Portfolio Recovery has reported 2 accounts in the amounts of {$540.00} and {$630.00} for accounts dated XX/XX/XXXX and XX/XX/XXXX, the amounts are incorrect and the account status reported as open is also incorrect, I have disputed the information with a direct dispute with XXXX XXXX and the solution reported that the accounts were accurate, no documentation or proof has been provided to me regarding these accounts, the information reported is inaccurate and affecting my credit in a negative way
Product: Student loan

I attended XXXX University from XXXX, I got financial aid to help pay for tuition and stuff. XXXX issues students debit cards to load the unused balance from the student loans into the card. I decided to not attend school anymore and dropped my classes. Last year I got a letter from XXXX saying I owe them over {$3000.00} for the renaming portion of my loan. I lost my debit card soon after I dropped my classes and I never took the or received the {$3000.00}. I tried to explain that to XXXX and they told me too bad and referred to a collection company. I disputed the debt with the collection company and the collection company could not verify the debt and stopped collection activity. It 's been a few months since they could not verify the debt and now I get another letter from a collection company stating I owe the debt again and if I wanted to validate the debt I can but a lawsuit will begin if I ask for validation again. I was under the impression that once the collection company can not verify the debt all collection activity stops. Am I wrong? What do I do?
Product: Debt collection

I was not informed or contacted by the collection agency Penn Credit Corporation until after the debt went into collections not was I notified by XXXX XXXX XXXX that the power remained on at my old apartment. I thought my ex girlfriend had turned it off but she had not. I was unaware of this until the debt went into collections on my credit report. I asked to have it removed from my credit report on goodwill being that I payed the debt off in full today on XXXX. I had to seek out and call Penn Credit Corporation to have this debt paid not once did they contact me otherwise.
Product: Vehicle loan or lease

I refinanced my XXXX XXXX XXXX with Upstart around XXXX of XXXX. In XXXX of XXXX, I applied for a COVID assistance payment plan ( they reduced my payments to XXXX $ a month for 3 months ) and was approved. 
Starting that month, they began reporting to credit agencies that I was late on payments. They continued to do so through XXXX of XXXX before Defaulting my account and sending it to Collections. 
This is wrong as they continued to charge me as agreed from XXXX through XXXX, and my account was on XXXX. The only payment that bounced was once my account wasn't sent to collections. 
I have bank statements to prove these charges, and the agreement with the company that I signed. Upstart NEVER contacted me about my account being late, until they closed my access to my account. 
If I was late, how did my autopay not charge me for the late balance? My autopay was set to balance due.
Product: Mortgage

A late 30-day payment mark on my credit report for XX/XX/2019 should not have happened. We contacted Loancare on XX/XX/XXXX, via recorded phone call, to make a payment arrangemet in advance of the 30-day late date. We were told on that phone call by a representative that we would be able to take our XX/XX/XXXX payment and spread it out over six months so that we would not incurr a late payment charge. It was also explained that we could move our next payment date to XX/XX/XXXX. We were assured on this recorded phone call multiple times that this would bring us current and we would not incur any penalties or negative marks on our credit report.

On XX/XX/XXXX, after this phone call, Loancare issued a letter stating we would still owe a full payment by XX/XX/XXXX. This letter was sent via postal mail only and was not covered on our recorded phone call. This letter did not ever reach our home, nor would it have prior to the XX/XX/XXXX date - just 3 days after our phone call. Because of this we recieved a 30-day late payment mark on our credit reports that was due to decieptful and inaccurate information practices by Loancare.

Prior to this we had no late payments for the life of the loan with the company, nor any late payments on our credit report for over a decade. We attempted, in advance of a penalty, to resolve this with Loancare and assumed we had based on the recorded phone call. After multiple attempts to resolve this with Loancare, they refuse to discuss the matter, will not provide a copy or transcript of the recorded phone call, and refuse to correct/remove the 30-day late mark on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX. Amount for XXXX. Date of indentity theft XX/XX/2022. I was told over the phone that it would be taken care of but just received a call saying opposite.
Product: Mortgage

In contrast to as recent as XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against XXXX XXXX XXXX in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. XXXX XXXXXXXX XXXX XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX   XXXX, XXXX XXXX and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to Fay Servicing. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX Bankruptcy Court . 
In the case of Fay Service, we have served written letters ( see attached ) begin XXXX of XXXX to cease and decease all collection attempts on our XXXX XXXX XXXX Account since Fay Servicing is third party to a debt already in dispute with XXXX XXXXXXXX XXXX, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, XXXX XXXX XXXX in its deceptive attempt to unload a questionable debt to a third party debt collector Fay Servicing which in turn recruited XXXX XXXX an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX XXXX of California. 
Fay Servicing on behalf of XXXX XXXX Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXX, XXXX XXXX XXXX, XXXX. 
In summary, the same fraudulent activity perperatered on us in XXXX by XXXX XXXXXXXX XXXX in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX Bankruptcy Court.
Product: Mortgage

In XXXX, my mortgage was placed on XXXX forbearance. On XX/XX/XXXX, When I realized that the payments that I had in forbearance would not automatically Be placed at the end of my loan, I called the home preservation department at Wells Fargo. 
I was told that I could continue with the forbearance, and when I was ready to come out a forbearance, I could apply for a XXXX partial claim, which is a separate, 0 % interest loan from the FHA that needed to be paid at the end of my mortgage, when I refinance, or when I pay off my mortgage. I verified with the FHA that as long as I was current with my mortgage at the time I went in forbearance, And that the house was my primary residence, which it is, that I would automatically qualify. 
On XX/XX/XXXX, I filed for a partial claim with Wells Fargo. I was told in that call that my loan was currently in forbearance, and that I was current with my mortgage when I went into forbearance, and that I would receive a call from a notary in the next 10 days to sign the paperwork. 
On XX/XX/XXXX, I received a call from Wells Fargo telling me that I did not qualify for the partial claim. They could not tell me why I did not Qualify, and said they would call me back later that afternoon. When they did not call me back, I called them back, and was told by another representative that I did qualify, but they just made a mistake in the way they handle things on the XXXX, and that they had set me up for the partial claim, and that I would receive an email within 24 hours telling me sell. I never received any such email. 
On XX/XX/XXXX, I Called home preservation again, and was told that I didnt qualify for the partial claim because my loan was no longer in forbearance. They said I was automatically taken off forebarence on XX/XX/XXXX. They then connected me to the executive office complaint line where I spoke with a gentleman by the name of XXXX XXXX. XXXX opened up a complaint for me, My complaint was in reference to the fact that on both times when I called to file my partial claim that I was told that I was currently in forbearance, and qualified. I also complained that I was taken off of forbearance without any notice. He set the expectation that I would receive a call in 48 hours from someone assigned to me who would have spent that time researching my complaint, and would help me.

48 hours went by and I had not received a call back. I spoke with several different people trying to get my case manager. When I spoke with my case manager, I was told that I needed to speak to home preservation, and that there was nothing she could do for me, and that it was not her job to research the calls I had made to find out whether Wells Fargo had made a mistake. I asked her to transfer me to her manager, who told me that I would hear from someone in 10 days. I explained that I was concerned about the status of my mortgage, and that if I was not in forbearance that my credit was being affected, and she could not give me any Information on the status of my mortgage. I then went online, and saw that my mortgage seems to be current, and still in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I am filing this identity theft report in response to the derogatory remarks that APPLE CARD ( GS BANK USA ) and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with apple card. However, apple card is reporting a fraudulent account to the credit reporting agencies with a balance of {$24000.00}. Immediately after I noticed this account, I contacted apple card GS BANK. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that APPLE CARD/GS BANK can remove the fraudulent and derogatory remarks they report on my credit report.
Product: Credit reporting or other personal consumer reports

This was a loan that was taking out for a different registered car owner. I contacted company about this account and this should no longer be reporting to any credit credit bureau but still reporting to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Student loan

New rule from the Dept of Education state they restrict schools from holding transcripts.
Product: Debt collection

I will like to request that a investigation be conducted against I C Systems INC, for failure to honor my request of validation of a debt and providing a notification of the debt per the FDCPA. A dispute was filed with XXXX and XXXX circa XXXX XXXX in regards to an account that had previously been dispute and removed by a previous company regarding a debt that is not mine and I have no knowledge. The account number is Account Number : XXXX in the amount of {$440.00}. Per my rights within the FDCPA I request a validation of the debt. My request has not been filled and the company is in violation by not validate the debt within the 30 days allotted per the FDCPA. Yet the account is still showing as a negative account on my credit report, although they fail to validate the debt. 

Status : Collection account. {$440.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. I have not receive any written communication from I C Systems INC informed me that they now have the debt and my right to dispute. The company brought the account without proper validation because it was delete previously and are now reporting a invalid debt negatively which can have on me my and now I request that an investigation is complete for their failure to comply with the law.
Product: Debt collection

I had a Capital One credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. Capital one agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to XXXX and XXXX. I did n't want to go to court so I set up payments with XXXX and XXXX. I do n't if that is what I owe them. I never received a letter from Capital one saying they were turning my account over. Never received statement from Capital one and never received anything from XXXX and XXXX as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.
Product: Debt collection

I am filing a complaint against Fair Collections & Outsourcing ( FCO ) for refusing to accommodate my request for electronic communications due to my XXXX, violating the Americans with Disabilities Act ( ADA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Despite my request, FCO refuses, making it difficult for me to access important alleged debt-related information. This refusal violates : ADA ( 42 U.S.C. 12182 ( b ) ( 2 ) ( A ) ( ii ) ) Failure to provide reasonable modifications.

FDCPA ( 15 U.S.C. 1692f & 1692c ( a ) ) Unfair practices and communication in a known inconvenient manner.

New York State & NYC Human Rights Laws Failure to provide reasonable accommodations.

I request CFPB intervention to require FCO to comply with federal and local laws by honoring my electronic communication request.