23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX professional debt, has violated my rights. 15 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 states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 15 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent a certified letter to Experian, XXXX, and XXXX credit bureaus for validation of debts for the collection accounts that's being reported on my credit report. Experian, XXXX and XXXX failed to provide the requested information.
Product: Checking or savings account

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a 50 % business partner ( XXXX XXXX ). I set up the original account and was on the resolution. My business partner removed me off the account and authorized an unapproved signer ( XXXX XXXX ) on the account on or around XX/XX/scrub>/2025. 

I have spoken to my local branch in XXXX, NC and they are not able to offer any assistance on why I was removed. 

The branch that removed me was XXXX XXXX, XXXX Truist located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

phone number XXXX. 

I have called on four occassions, left messages and they refuse to help me or contact me I am unsure if they were given fraudulent documentation or they did not have the property authorization to remove me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE STUDENT LOAN ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT AND WAS CREATED IN ERROR OR WITH THE INCORRECT INFORMATION. I HAVE NEVER ATTENDED SOUTH COLL NOR HAVE I ATTENDED A UNIVERSITY. THIS INFORMATION AND ACCOUNT IS INACCURATE, ONCE THE CREDIT BUREAUS OBTAIN THIS DEMAND OF REMOVAL TAKE ACTION IMMEDIATELY TO DELETE THIS ACCOUNT. 
Private Student Loans Company or Organization XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are not mine, please have these companies show proof that they are mine they all are on transunion ... ..1 ( TRANSUNION ) ... 1 # XXXX ACCOUNT # XXXX 2 # XXXX XXXX ACCOUNT # XXXX 3 # XXXX XXXX ACCOUNT # XXXX 4 # XXXX XXXX ACCOUNT # XXXX 5 # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 6 # XXXX ACCOUNT # XXXX 7 # XXXX ACCOUNT # XXXX 8 # XXXX  ACCOUNT # XXXX 9 # XXXX XXXX ACCOUNT # XXXX 10 #  XXXX XXXX  ACCOUNT # XXXX 11 # XXXX ACCOUNT # XXXX 12 # XXXX ACCOUNT # XXXX 13 # XXXX XXXX ACCOUNT # XXXX 14 # XXXX ACCOUNT # XXXX
Product: Checking or savings account

In XXXX I noticed a charge on my checking account titled " XXXX '' in the amount of {$150.00}. I have no idea who or what it is. I immediately filed a dispute. When I asked for more information, all the rep could tell me was it was an online purchase. My claim was denied, which I immediately reopened providing " additional information '' requested. That was where I was at the time of the purchase : I was at home with my family. It took them almost 2 weeks to provide me with the " documents '' used in determining the outcome of my case ( attached ). The 3rd time i reopened the claim, i detailed why the 3 reasons almost proved I DID NOT make the charge : 1. It was a PIN purchase, but I had my card and was home. 
2. The thief knew I was paid 2 days prior. Then why did the thief wait 2 days? I work so I get paid once a week. Why wouldn't they have taken it Thu or Fri? The charge in question was Saturday. Why didn't they take more? They took less than 1/2 of the deposit amount. This reason does not indicate someone knew a deposit was made.

3. If the dispute was 12 minutes away from my vicinity, than that is not at my house, so it's not me - because I was home. 
I have asked who this merchant is, what is their name, where are they located, why is there no contact info or location? They refuse to answer any of my questions and just say to refer to the documents used in determination. To me, this seems like it is clearly fraud. 
Even providing the information above, asking for a more valid reason for denying me, they still said no. They denied my claim yet again, providing the same document used in determining the denial the first 2 times. If this is a real merchant, tell me how to contact them and I can dispute it with them. But it doesn't seem real, so now I need my bank to help me get my money back- and they're not.
Product: Debt collection

I receive, at minimum, 2 to 3 calls from this company on a DAILY basis. This has been on-going since 2015. The calls always come from a different number each time, but they leave a pre-recorded message on my voicemail. The voicemail always states that I need to call them back immediately to discuss a " bad check '' that was " passed through their office ''. The only checks I write are to my rental office for my rent each month and to my child 's school for various field trips and events. NONE of these checks have ever been returned. 
I have tried to call back the number that shows on my caller ID, only to get a busy signal or a " the party you are trying to reach is unavailable '' message. I have also tried to call the XXXX # they leave on the voicemails and have been rewarded with a very stressful conversation from an " agent '' who keeps asking for personal information ( ssn, phone number, address, etc. ) and refusing to give me any information pertaining to the " debt '' I supposedly owe. They have also threatened, multiple times, to serve me with legal papers at my residence. Several times they have stated that they have already attempted to serve me with papers, having strange people call me claiming to be " process servers ''. Each time I have spoken to one of these " process servers '' they have verified my address. I have stayed home on those days only to have no one show up. Never once have I received any type of mail correspondence at my residence from this company and I have lived there for over 5 years. 
I have requested numerous times that they stop calling me, only to be met with a " we have the right to call you if you owe us money '' type of reasoning. 1 or 2 times a week would be acceptable, but they call DAILY. I consider this harrassment.
Product: Credit card or prepaid card

Date ( s ) : XX/XX/XXXX and XX/XX/XXXX I recently had my Barclays Savings account closed on XX/XX/XXXX without my prior notification which led to a an interest charge of {$120.00} to my XXXX  XXXX credit card linked for auto-withdrawal. I notified Barclays of this issue and they have been unresponsive on why my account was closed on XX/XX/XXXX. I understand they have the right to close my account at any time per the terms and conditions but their timing led to an interest charge that would have not occurred if done earlier in the month or simply two days later. I spoke with Barclays representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she became very testy and angry with me when I requested to speak with a manager. I believe there is negligence on Barclays behalf on closing an account when there is a payment already in process that could incur financial detriment to their consumer.
Product: Debt collection

I received a {$200.00} loan from XXXX XXXX XXXX on XX/XX/XXXX. I made {$60.00} payments bi-weekly that applied towards the interest, until I could no longer afford to. On XX/XX/XXXX, I entered a debt settlement program with XXXX XXXX XXXX, to help pay off all of my outstanding debts. The balance on the account at the time was {$350.00} by XX/XX/XXXX ( it included the principle, {$90.00} past due, and {$60.00} finance charge ). The account was sold to a debt collection company : National Credit Adjusters. XXXX XXXX XXXX negotiated a settlement amount of {$150.00} with NCA. The settled balance was paid in full and I received a debt settlement letter on XX/XX/XXXX. 
Today, XX/XX/XXXX, I received two calls and voicemails from a XXXX XXXX. The message stated : This is XXXX XXXX contacting ( my name ). You are being notified of a claim in our office that is being filed against you, we will be verifying your current address as well as place of employment for delivery of documentation. At this time it is your legal right to contact our office directly at XXXX again XXXX or press one to be connected immediately this will serve as an official notification by phone. 

I returned the call and spoke with a XXXX XXXX, who stated that he is with a mediation company called XXXX and XXXX has sent my account to them for an outstanding balance of {$450.00}. I informed him that they are attempting to collect on a debt that is past the staute of limitations, amd more important the account had been paid off. I offered to mail them a letter showing that the account had been settled and paid. He then said that the statute of limitations does not apply to them, because of my attempt to defraud and scheme XXXX. I informed him, that there was no fraud or scheme, because I paid the debt off in XXXX and would mail them a letter proving this. He then began asking me for my account number for XXXX, so I asked for the mailing address to send the PIF letter. He said the mailing address is XXXX. XXXX XXXX, XXXX, AZ XXXX. After that, he asked for the account number again. I asked him to give me moment to look for it. He told me I was stalling ( I was actually looking through my email for the account number ) and since I could not provide the account number, I would now be charged {$2500.00} which included the past due fee of {$450.00}, late fees, and legal fees. I disconnected the call once I felt suspicious.
Product: Mortgage

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Telephone : XXXX Email : XXXX Regarding the following 2 properties below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan Number XXXX with Elite Commercial Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan Number XXXX with Elite Commercial Servicing Complaint Against : Elite Commercial Servicing, RCN Capital LLC, and XXXX XXXX XXXX XXXX Elite Commercial Servicing located in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CT XXXX is not a licensed mortgage servicing company to be servicing loans in the following states, along with not responding and delaying on extension request and acknowledging. The delays cost late charges, along with delinquent charges to the loan due to lack of communication, along with filing a wrongful Notice of Default when I signed the extension agreement, along with payment for the extension fee and monthly payment. Elite Commercial Servicing is not compliant. Elite Commercial Servicing is part of RCN Capital LLC. 

RCN Capital LLC located in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CT XXXX. License Number XXXX, XXXX, XXXX. Arizona Banker License Number XXXX, Minnesota Residential Originator License MN-MO- XXXX, Oregon Mortgage Lending License XXXX. XXXX XXXX. RCN Capital LLC sold the loan to XXXX XXXX XXXX located in XXXX XXXX XXXX. XXXX, NJ XXXX. RCN Capital LLC is not compliant with NMLS regulations. RCN Capital LLC allows unlicensed mortgage brokers to broker loans in the state of Arizona, California, Minnesota, Nevada, Oregon, Utah. 





XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX. XXXX, NJ XXXX is an investor who purchases loans from mortgage companies. XXXX XXXX XXXX XXXX has not been responsive to my request or the unlicensed servicing company Elite Commercial Servicing for my extension request. They are also originating loans without having state or NMLS licensing. If you take a look at XXXX XXXX XXXX XXXX website. XXXX XXXX XXXX they are not compliant. XXXX XXXX XXXX XXXX delays on responding to Elite Commercial Servicing who is not licensed to charge late payments, along with a default rate of 35 %. 


Elite Commercial Servicing LLC and XXXX XXXX XXXX XXXX transferred the loan to XXXX XXXX XXXX XXXX XXXX, once I informed Elite Commercial Servicing LLC and XXXX XXXX XXXX XXXX that they are not complaint to service loans because they are not licensed to service loans. Both companies are breaking the law. 





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 Mortgage Lender/ Servicer License
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of a class action lawsuit against XXXX XXXX and I was awarded a letter that my student loans were cancelled per case XXXX XX/XX/2020 I have opened several disputes with XXXX and I am not getting any feed back and they are not looking at the order I sent over a copy of this for them Then I reached out to Navient, and they refused to give me a good physical address to send over a coy of the court order the representative I was speaking to was XXXX XXXX XXXX XXXX XXXX XXXX A representative will be with you shortly. 
XXXX XXXX.XXXX XXXX  is joining the chat. 
XXXX XXXX XXXX XXXX.Hi, my name is XXXX from Navient, how may I be any of assistance for you today please? 
XXXX XXXX XXXX XXXX.Hello XXXX XXXX XXXX.are you a real person or A.I.? 
XXXX XXXX XXXX XXXX.I am a real person, how may I help you today please? 
XXXX XXXX XXXX XXXXok I have a case number XXXX that discharges all of my student loans as of XX/XX/2020 I am looking for a good address and email address to send over a copy of the court discharge because this is still showing up on my credit report XXXX XXXX XXXX XXXXOkay, before I can assist you with any request, I do have to ask for a good contact telephone number for your account please. 
XXXX XXXX XXXX XXXX XXXX XXXX.what is a good email address to send over a copy of my discharge XXXX XXXX XXXX XXXX.Thank you, I will need to ask you to help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents contact you at this number using an auto dialer or pre-recorded messages regarding your current or future accounts? 
XXXX XXXX XXXX XXXXthere is no reason for future contaxct all myloans have been discharged XXXX XXXX.I need a good email address and good physical address XXXX XXXX XXXX XXXX.I apologize, but I do need a clear yes or no to contact your cell phone number please. 
XXXX XXXX XXXX XXXX.sure yes XXXX XXXX XXXX XXXX.To help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents send text messages to you at this number using an auto dialer regarding your current or future accounts? 
XXXX XXXX XXXX XXXX.now what is a good email address and a good physical address XXXX XXXX.thats ok I will have my attorney contact you and screen shot this conversation of you avoiding my questions XXXX XXXX XXXX XXXX.Thank you, unfortunately, I can not assist you in this chat with any questions about your loans. You will need to call the charged off department at XXXX. Do you have any other questions today?
Product: Payday loan, title loan, or personal loan

Hello. Paypal sold my information to Synchrony Bank. In XX/XX/2019, Synchrony Bank opened a credit line in my name. This is CREDIT FRAUD. The Account # XXXX The amount was for XXXX USD and then this loan defaulted on XX/XX/2019 at XXXX USD. I have contacted Synchrony and spoke with XXXX who tried repeatedly to get me to give him my social security number. I did not. He told me there was no record of my name opening an account in XXXX with Synchrony and that there was nothing he could do. He informed me that they had access to my data because it was sold to them by Payal. I contacted Paypal who confirmed this -- told me they understood it was a fraud and they had no responsibility. ( I screen shot all of that conversation and will attach it here ). I have contacted XXXX, XXXX  and XXXX and requested this credit fraud be cleared from my record. I have placed a lock on my credit record with XXXX ( paying XXXX dollars a month for this service ). What Synchrony has done is outrageous and if you can hold them accountable I would be very grateful. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Letter sent on XX/XX/XXXX below. Response received does not provide the requested information. There is no documentation showing that Aldous and Associates, PLLC has the legal right to collect this debt ( assignment or sale agreement ). 



XX/XX/XXXX Aldous and Associates, PLLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Dear Sir or Madam, I am writing regarding a debt you claim I owe, which has been reported to me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. This is not a refusal to pay, but a request for information to ensure accuracy and legitimacy. 

Please provide the following information : XXXX. Proof of Debt Ownership The original creditors name and address.

Documentation showing that Aldous and Associates, PLLC, has the legal right to collect this debt ( e.g., assignment or sale agreement ). 

XXXX. Account Details A detailed statement of the debt amount, including interest, fees, and any other charges. 
The date the debt was incurred and the date of last payment. 

XXXX. Validation of Identity A copy of the signed agreement or contract that initiated the debt. 
Documentation verifying that this debt belongs to me. 

Under the FDCPA, you are required to cease collection activities until this debt is validated. If this debt can not be validated, please confirm in writing that you will cease collection efforts and ensure that any negative reporting to credit bureaus is corrected or removed. 

Additionally, please communicate with me exclusively in writing and do not contact me by phone. 

I expect your response within 30 days of receiving this letter. Please send all correspondence to the address provided above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This company is in violation of 15 U.S. Code $ 1681m - Requirements on users of consumer reports by denying me credit after I applied in good faith. 

( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( C ) Information described Information referred to in subparagraph ( A ) - ( i ) except as provided in clause ( il ), is information that- ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( Il ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include- ( 1 ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
Product: Debt collection

They said i opened an account on XX/XX/ and it was closed out with a balance of {$2500.00}. Credence Resource Management was requested by myself to get me the original contract with my signature on it and an itemized statement showing me all what is owed in the debt equaling out to {$2500.00}. They emailed me two documents " verification of debt with itemized billing '' it only showed the balance of the {$2500.00}. No depiction of what items were being charged to equal that amount. Then the second document was the original contract with my signature on it. Which was not the document it had no signature on all 8 pages that i received. I have requested from Credence Resource Management to delete this debt account and email me a verification with this debt being closed and removed and they will not comply even though they can not confirm signature contract or itemized bill statement with total amount. If requested, I can send the emails that I requested from Credence Resource Management
Product: Mortgage

I have a home mortgage with Wells Fargo mortgage. On XX/XX/XXXX I was laid off and I contacted Wells Fargo to tell them that I was going to be late with the payment of XX/XX/XXXX. I did not ask for any other help I just said I was going to be late with ONE payment. 

THEY offered me a program where I could go up to 6 months with deferred payments if I was having trouble finding a job On XX/XX/XXXX, I started a new job. During that time I paid one mortgage payment. Wells Fargo then said that they were look at restructuring my loan. They were going to send out paperwork that I had to fill out and send it to them. A week went by and I never got anything so I contacted Wells Fargo. They said that I did not need to fill out any paperwork they were restructuring my loan and I did not have to pay XX/XX/XXXX payment. Note : I did not sign anything I did not ask for that again they set this up without any of my knowledge. I felt they had no other choice at the time so I agreed to that. 

After our agreement was already set in motion, on XX/XX/XXXX, they sent a report into the credit bureaus that I was five months behind on my mortgage. My credit score immediately dropped 85 points. Since then credit card companies have been reducing my credit card maximum to amount owed. This increased my debt to available credit ratio. Today my credit has dropped 150 points.

I have been going back-and-forth with Wells Fargo on removing that credit report of five months because theyre the ones who told me to do it and I agreed to itjI have been going back-and-forth with Wells Fargo and removing that credit report of five late months because theyre the ones who told me to do it and I agreed to it. I did not ask for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/, complaint # : XXXX to Experian regarding incorrect information that is reported on my credit report, and multiple bankruptcies. 

Experian submitted a response on XX/XX/2023 : ... '' At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' I've reached out to XXXX ( Experian vendor ), regarding the response Experian provided. 

XXXX sent me a letter dated XX/XX/, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, XXXX did not locate the records listed below in XXXX XXXX file with XXXX. 
Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to Experian.