23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


AWA COLLECT XXXX AWA COLLECTIONS XXXX AWA COLLECT XXXX
Product: Debt collection

During the afternoon of XX/XX/2020 A man showed up at an apt where my wife and kids live located in XXXX XXXX, FL. No uniform, no id, no logo on shirt. 

This is a private enclosed residential development and unexpected visitors must use the internal phone system to contact residence. My XXXX small children and wife reside at this apt because random people are not allowed to just walk around or enter and knock on peoples doors. 

This man was not in uniform, did not disclose or share his name or state who he represented. Neither did this man furnish any form of official identification. My wife simply described the man as an Older Tall XXXX   Man. 

My wifes first language is XXXX  and she has difficulty understanding English. All my wife can tell me was that a man from the court possibly a police officer came to the apt demanding I show up in court. I know that police and court houses do not work this way. This individual also asked for her name. 

This individual left my wife with a bundle of uncertified ( No original county or state seal ) papers for a capital one credit card and some from the XXXX XXXX county courthouse. 

I searched using my name and found a case, however ; based on the dollar amount from the capital one papers I suspect that this case could be fraud/incorrect or some kind of collections scheme. 

I have had issues in the past with collections, however ; this is the 1st time an un-uniformed man shows up where my wife and children live ... what seemed to be impersonating a county worker or law enforcement officer. ( This is how my wife described the individual and their conversation ) The only people who show up where my wife lives unexpectedly are XXXX, XXXX, XXXX, and her friends. Everyone else uses the phone system or calls before they come. The apartment development is private property. 

What if a criminal or a delinquent decided to impersonate a debt collector, officer or county worker, and raid the apt or molest one of my children? 

I am writing this letter because ... I have difficulty believing this type of activity/process/procedures are endorsed by the Police of XXXX XXXX and the County of XXXX XXXX XXXX. If XXXX XXXX   XXXX XXXX is behind this they were trespassing, impersonating to be gov employee or officer and harassing my wife. 

I have asked my wife three ( 3 ) times what the Mans name was, and she can not tell me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed unauthorized credit inquiries on my credit report from XXXX XXXX XXXX, XXXX XXXX, DIGITAL FEDERAL CRED, XXXX XXXX  XXXX and XXXX XXXX. I did not give permission to these companies to access my credit. As soon as I saw these inquiries, I contacted each company to dispute the unauthorized activity. I also reported the incident to the credit bureaus and filed a report with
Product: Credit reporting or other personal consumer reports

I went back and forth via email with XXXX XXXX during the Hurricane to catch up an account that was approaching XXXX  days but I couldn't update the payment information because I couldn't get some banking things cleared up. Additionally, the item was damaged in the storm so I was trying to get insurance information that was on my account. Email customer service was no help and I couldn't get anyone on the phone. Nevertheless, I caught the account up. Almost a week later after that payment that brought everything current, my credit report now show a XXXX  day late payment. I do not believe this is fair given the circumstances and XXXX bankruptcy has taken customer service offline so it's hard to get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

per credit report on XX/XX/2022 and XX/XX/2022 a inquiry was established from factual data. I have no awareness of this company nor have or have had any credit accounts. Also on XX/XX/2022 there is an inquiry from a company named HomeTap in which I also did not authorize nor have or had any credit revolving/non-revolving accounts with this company. Please review and have these 3 inquires removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Mortgage

XX/XX/2021 : After recieving a tax bill from the City of XXXX and confirming with the city that my property taxes have not been paid, I email XXXX XXXX at XXXX XXXX asking about it. 
XX/XX/2021 : XXXX XXXX at XXXX XXXX says she is working on it. Escrow analysis shows that I have a {$900.00} surplus. 
XX/XX/2021 : XXXX XXXX XXXX to ask for status update on escrow account. 
XX/XX/2021 : XXXX XXXX XXXX because taxes are still unpaid and escrow analysis has not been updated. 
XX/XX/2021 : Recieved this email from XXXX 's secondary XXXX explaining the issue. " First and foremost, this is being taken care of today. It will take us a day or two to get all the dust to settle, but the taxes are being paid ( again XXXX. The background - when we closed, the tax bills were not issued yet. Because of that, we set aside funds that were an estimate ( {$1200.00} XXXX which remained at title to disburse when the tax bill came out. Unfortunately, the amount we actually were taxed for and what we set aside at closing to pay the upcoming bill ended up being different, which led to a shortage. The second issue is that when we attempted to pay the taxes again in XXXX XXXX we use a third party ), that amount came back higher than what was actually billed by the city. Those funds were returned from the city and we have payment going out today on it at the correct amount.Any penalties incurred will not be charged to the borrower in any way, those we will cover. We also are going to be running a new escrow analysis for this borrower, that does take at least 48 hours to run and become effective. With those two in hand, this should be resolved moving forward. Let me know if you have any further questions and apologies for the delayed response times. '' XX/XX/2021 : XXXX XXXX emails me to say that my new escrow analysis should be in the mail fairly soon. 
XX/XX/2021 : XXXX XXXX XXXX to let him know that I have not recieved a new analysis. No new analysis on " other documents '' page where other ones are located. 
XX/XX/2021 : XXXX XXXX emails that he is checking on it and will get back with me. 
XX/XX/2021 : Still have not recieved new analysis and XXXX XXXX has not provided an update. I have also not recieved the {$900.00} surplus.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX I applied for a home modification on my existing house through Ocwen. We were approved for the loan modification and the terms were as follows. For three months we had to make a payment of XXXX, and then the modification would be complete. I sent all the paper work including check stubs for my husband and my self. On XX/XX/XXXX the first payment of XXXX was paid. On XX/XX/XXXX the second payment was paid. On XX/XX/XXXX the third payment was paid. In XX/XX/XXXX the loan modification was denied in the form of the letter. We received no correspondence or phone call to let us know. I called Ocwen and asked why we were denied. They said that we had put a wrong date on the agreement form. I explained that we sent in the correct form sighed and sent them an email of the date it was sent. They said that the date on the paper not the email was wrong. They refunded the XXXX payment and did not inform me that the XXXX was sent back until after I had called in XXXX. I appealed the denial decision in XXXX with the escalation department so that I could pay my payments and keep my house. Ocwen denied the appeal. In XX/XX/XXXX I applied for the lone modification again, sent in all the paper work with correct dates and signatures. Ocwen waited until the beginning of XX/XX/XXXX and when I checked the website, ocwen needed more information about our pay. I was in the process of getting the information needed and then I was told that it had been denied by Ocwen. Ocwen told me that I had to reapply so on XX/XX/XXXX I reapplied. Ocwen said it would take around 5 to 7  days to review my modification application. I called Ocwen on the XXXX, XXXX, and Ocwen said it was still in processing. I called back on XX/XX/XXXX to ask about the modification progress only to be told by Ocwen that the foreclosure had been completed on XX/XX/XXXX. I called again on the XXXX and XXXX to see if I could save my house and got the same answer from Ocwen that the foreclosure was completed on XX/XX/XXXX. I was transferred to XXXX. which is Ocwen 's realtor and they could not tell me anything, they told me I needed to email XXXX to find out about my house. I emailed XXXX and asked if they could help me save my house but XXXX informed me that they no longer had my house. They said it had been sold to the XXXX XXXX XXXX XXXX. I tried calling them to find out who had my house and no one seems to know. I called the HUD housing and they can not see who has my mortgage. Today is XXXX and I still do not know who has the mortgage. Myself and my XXXX children are still living in the house and have no other place to go. I wanted to get in touch with whoever had my house to see if I could make arrangements to get it back. Please help me! Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( XXXX ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. Reasons for Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

We paid our supplier in XXXX twice. The first transfer seemed to be lost because we had sent dollars to a XXXX XXXX account, so we had to send a second transfer in XXXX XXXX this time, thinking that the first transfer would come back, but it never did. My bank has requested the return of the funds several times, but the receiving bank has not replied. 
We just want to get back our transfer of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Balance {$940.00}
Product: Debt collection

Hunter Warfield INC has reported debt under my credit report that I was not notified about nor have knowledge of. 

I request that they provide me with the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

XXXX. ) Swear under penalty of perjury you were present during the alleged debt.
Product: Payday loan, title loan, or personal loan

I made my final payment in XXXX. The loan company had never reported me late to the credit bureau. 
Once the payment cleared viva finance reported my account current and closed. On XX/XX/XXXX viva finance reported my account 30 late then it went to 60 days late. On XX/XX/XXXX they reported my account 90 days late. This is effecting my credit score, especially with all this back and forwardness on my report. None of this was reported thru out my time, while paying off the loan.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. - XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

In XXXX 2016, I was forced to move out of my apartment building located at the XXXX XXXX building. I was told to pay {$730.00} for the last month rent. I put my rent check made out to XXXX XXXX for {$730.00} into their deposit box. The check was then cashed for the full amount according to my bank statement. The collector or their agency continued to send me demands for payment. All the while the payment was already made previously. The reporting agency then sent out a negative credit report for negatively impacting my credit score falsely. I would like the XXXX to review their case and reverse this action against my credit rating.
Product: Debt collection

Kept receiving calls from XXXX. A XXXX XXXX called and left me a message that she needed a defensive statement for a lawsuit. Called number back but no answer. Looked up number and its reported as a scam. Then almost immediately I get a call from XXXX. I answered it and a XXXX XXXX answers and wants confirmation of my name. He then proceeds to give me my social security number and dob and a case number of XXXX. I never verified with him who I was so why is he verbally stating this type of information.its illegal.He then gives me another number XXXX and stated its check services for XXXX county Florida and that I have to pay him XXXX immediately or they will serve a warrant for my arrest and deliver it to my employer. I triesnto explain I do n't owe any money to this company and that my computer was hacked and personal info stolen during this timeframe he gave me. He said good luck and disconnected. I learned that the XXXX number is also calling and harassing my relatives and telling them I am wanted for check fraud. I am not familiar with XXXX ; the company they state I owe.
Product: Mortgage

Bank of America provided oral instructions by telephone on a recast of my mortgage. I followed the procedure and submitted my letter of intent along with a payment of approximately {$15000.00} to be applied to the principal to complete the recast process and have a lower principal balance on which to calculate my new payment. My check for $ 15,000+ was applied to the principal upon receipt, but I never heard from Bank of America XXXX After repeated phone calls over a one month period, I finally reached someone on the phone who told me that we were denied the recast. There was nothing to be done about the {$15000.00} payment that had been applied to the loan. My payment remains the same. No letter of denial of the recast and no letter of apology for shabby treatment was ever sent to me.
Product: Student loan

I am writing to formally dispute inaccurate information that has been reported on my credit report by Aidvantage - Federal Student Aid Loan Servicing. This concerns my student loan account accounts.

My credit report indicates that my student loan payments were on time for XXXX and XX/XX/2019. However, inexplicably, for XX/XX/2019, it is reported as being XXXX  days late. This progression is illogical and indicates a clear error, as it is impossible for an account to be current and then suddenly XXXX  days delinquent within a XXXX period. This inconsistency in reporting further substantiates the inaccuracy of the information provided by the servicer. 

Moreover, the report of a XXXX late payment in XX/XX/2019 is inaccurate as I was enrolled in XXXX XXXX XXXX at the time, making my loan eligible for deferment. Under the terms of my student loan and federal regulations governing student loans, my loan payments should have been deferred while I was enrolled in school.

This inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers of information to credit reporting agencies to provide accurate information.

15 U.S.C. 1681i ( a ), which outlines the responsibilities of the credit reporting agencies to conduct a reasonable investigation upon receiving a dispute from a consumer.

Despite my attempts to resolve this issue directly with Aidvantage, including providing proof of my enrollment in school, they have refused to correct this error. This ongoing inaccuracy is not only a violation of the FCRA but is also adversely affecting my credit score and, consequently, my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  ACCOUNT : 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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on an account under an open end and consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/23 I contacted JPMorgan Chase auto which directed me to XXXX XXXX XXXX. I settled a charged off debt in the amount of {$4300.00}. My credit report needs to be updated correctly or this account removed all together immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the XXXX XXXX breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!