23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I helped my sister with her appartment by giving her my pay stubs cause she need a proof of income i never signed any lease or anything i explained this to the company hunter warfield and they sent me papers with a electronic signature which i never signed I told  them this is not me and it was forge documents and they still trying to get me to pay my sister debt
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX  XXXX ; DEPT OF ED/XXXX XXXX XXXX ; DEPT OF ED/XXXX  XXXX XXXX ; XXXX/XXXX XXXX ; DEPT OF ED/XXXX  XXXX XXXX ; DEPT OF ED/XXXX XXXX XXXX ; XXXX/XXXX  XXXX XXXX XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; XXXX/XXXX XXXX and XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. Equifax still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my file.
Product: Student loan

I began receiving nonstop calls to collect money for both of my Navient and XXXX XXXX loans my Sophomore year of college, XX/XX/XXXX, once to twice a day every day. At first, I would let them know that I was still in school and could not repay as of right now. They continued my entire school career and continued after graduation XX/XX/XXXX. They did not stop calling even while I was making payments to my private loan interest during school. At one point, they sent a collection agency after me my senior year in XX/XX/XXXX. They began calling me from different numbers to try to fool me - I have voicemail records for the past two years of the different numbers. They started calling me during class and almost twice a day, it got so bad that I had to block every number I knew they were attached to. Also, Navient and XXXX XXXX began calling my mom - who is not a cosigner or even listed on any of my loan paperwork.
They did not stop calling me on random numbers until after I began an automatic payment plan of $ XXXX/monthXX/XX/XXXX. And it is possible that they are still calling but can not get through because I have blocked them. At first, I thought it was going to be great to have it taken out automatically - but then it became that the $ XXXX/month does not make a single dent in my private loan. I have it set that my repayment is supposed to be split between loan and interest ( half and half ), but it is currently only covering my monthly interest and of course, the private loan continues to increase because of the interest that I am so called paying off.
I have talked to multiple Navient customer service operators about how to allocate the funds differently and have tried to explain my situation - the operators did not help me and are extremely rude. They simply " explain '' why I must pay at least {$330.00} and suggest that I should pay more to get ahead of my interest. The payment to my actual loan never exceeds $ XXXX/month and the rest is applied to interest. And as of right now, the amount allocated to my actual loan is decreasing while the amount allocated to my interest is increasing.
In the attached files - every number that is from XXXX XXXX, TX, XXXX, PA, or Unknown is from XXXX XXXX and Navient. ( Unfortunately, I broke my phone before I graduated and lost my screenshots of the previous calls - but I can always request phone records from my carrier if more evidence is necessary ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX is being reported twice on Equifax and XXXX as negative information. On Equifax specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX. These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from XXXX.
Product: Student loan

I attended XXXXXXXX XXXX from XXXX. When I graduated my loans were with XXXX. I had not issues with this lender. My loans were sold to MOHELA and that has been a headache. I informed them that my job will be sending in payments for my account and I have faxed in special instructions for my payments to be applied promptly. Every year I have to call them and inform them that they are not applying the payments promptly and correctly. They have been applying those payments to my daughter 's loans and to the Parent Plus loans. Payments from my job the XXXX XXXX should only be applied every XXXX weeks to my XXXX & XXXX loan. I've called several times in the month of XXXX and each time I call, I have to wait XXXX plus hours to talk to someone and whenever I do they tell me that they will move the payments to the correct account and to date they have not done so. They keep telling me 7-10 days and I have not received anything from MOHELA. I don't understand why I am trying to pay them and they have my account on hold and they are not moving those payments to the correct loans. My job is only paying my loans and not my parent plus loans that I have taken out for my daughter. My Loans are due to the school that I attended that was called XXXX XXXX XXXXn XXXX, IOWA.
Product: Debt collection

The consumer reported on my XXXX and experian report from XXXX XXXX The property is XXXX XXXX. Not only did I live at XXXX XXXX XXXX  address at the same time it was reported. The rent recovery company has a different social security number from the one that I have. This was clearly identity theft and not mine. XXXX is still reporting it without removing it off of my credit.
Product: Credit reporting or other personal consumer reports

I mailed XXXX evidence for my disputes to against American express and XXXX against XXXX card, XXXX, and XXXX against debt collection XXXX XXXX XXXX XXXX I mailed the evidence to XXXX and on XX/XX/year> at XXXX AM XXXX employee named XXXX XXXX signed for the mail. 

I called XXXX business days later and XXXX said they didnt add the evidence to my disputes and that they never recieved any evidence. 

I explained to them thay they signed for it and I request investigating and escalation and they refused and told me theres noone to speak with about it and to mail it to then again. 

I have also filed a dispute with XXXX  against debt collector for XXXX named XXXX XXXX XXXX XXXX. 

XXXX XXXX knowingly in possession of false debt then reported back to the credit bureau less than XXXX hours after XXXX sent then the complaint and they said that they are still going to try to collect on the illigal debt and they closed the dispute.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX  XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX : {$25000.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2023
Product: Debt collection

I have no knowledge of this debt or the original account holder this not my debt and want it removed immediately
Product: Debt collection

NCA has added derogatory information to my credit report about a debt that is not mine. I have repeatedly contacted NCA by emai, phone and certified mail but they refuse to respond.
Product: Debt collection

ALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four XXXX {$1300.00} Walmart Acct. # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the Walmart/Synchrony account that was taken over by XXXX XXXX. I have been having issues disputing this matter. I decided to contact XXXX XXXX directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. On the Walmart/Synchrony account, the address is completely off. No wonder, I did not receive the document. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from XXXX XXXX on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to Synchrony Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$440.00} # XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$340.00} # XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX 

# XXXX. XXXX, XXXX. 
Amount : {$310.00} # XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$5900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed a complaint regarding my mortgage company AFTER speaking with FHA and finding obvious disturbing things regarding the covid forbearance and modification on my loan. I attempted many times to contact them in reference to the information from FHA about the covid modification rules and of course, my concerns went nowhere. Especially when I said, " there was no modification filed and I did not sign a new modification ''. 

Rushmore LM filed an answer to my complaint loaded with more lies about " corporate advances '' that occurred during a bankruptcy filing and dismissal back in XXXX. After that bankruptcy, we had a modification and ALL cost involved were charged back to me in that modification, there was no " corporate advances '' to charge me again and then to say that the amount they received from the state of Missouri was to " reinstate my loan ''? WHAT? I started paying my loan back in XXXX and they received those funds in XXXX or XXXX. Can they lie anymore? 

Back to the modification. I contended that I did not sign one so, I asked for a copy of it. You can't make this up, but they actually mailed a copy of the covid modification that was NOT signed nor notarized! 

In conclusion : 1. Where's the signed and notarized covid modification?

2. Why wasn't our house principal and interest lowered 25 % according to FHA guidelines?

3. Why was their no partial claim filed?

4. Why did they collect corporate advances from a bk back in XXXX that ended in dismissal and a subsequent modification that included ALL of the legal fees? After Loss mitigation said they were owed " from the original loan in XXXX ''? Do you even know? 
5. Why was money accepted from the XXXX program, from my state, for reinstatement when my loan was already reinstated and then take corporate advances from that? Where was my notice of these corporate advances? 

I maintain now, as I did in my initial complaint that Rushmore LM has committed fraud and a full audit of all accounts, especially those who received a covid forbearance and any subsequent funds in reference to that forbearance. I am going to contact a news outlet with my concerns and perhaps get the word out to others that they might want to look at their mortgage more closely if they are being serviced by Rushmore LM.
Product: Debt collection

My information was exposed on the XXXX XXXX  and I am a victim of identity theft. Fraudulent accounts were opened using my name that was not me nor do I have any knowledge of. These accounts are ; XXXX XXXX opened on XX/XX/XXXX with balance of {$9300.00} XXXX XXXX XXXXXXXX opened XX/XX/XXXX with balance of {$1100.00} XXXX opened on XX/XX/XXXX with balance of {$3700.00} XXXX XXXX opened XX/XX/XXXX with balance of {$9400.00} I filed a police report ( XXXX XXXX  XXXX ) to report this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my credit without my consent and applied for accounts using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.
Product: Credit reporting or other personal consumer reports

My credit was negatively impacted, hurting my chances at credit after receiving a response to my previous dispute that the accounts disputed were ''verified ''. 

please furnish all proof from furnisher and not the consumer reporting agency or delete the accounts as required by law.
Product: Vehicle loan or lease

I am submitting this claim due to a fraudulent contract. I was not given full disclosure about : The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. Regulation Z, 12 C.F.R. 1026.4 ( a ) The Truth in Lending Act ( TILA ) requires creditors to disclose key information about consumer credit transactions so that the consumer will be able to compare more readily the various credit terms available and avoid the uninformed use of credit. The finance charge disclosure informs consumers about the cost of credit expressed as a dollar amount. Violations include but are not limited to : My Contract says I can pay in Cash OR Credit! They got the Credit from using my social security ACCOUNT number. My contract also says You have agreed to buy the Vehicle from us on credit for the total sale price The total sale price is : {$22000.00} According to XXXX5 USC 1662 - No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. So They are in violation for requiring a down payment and I am entitled to compensation. My Contract also states : Security : You are giving a security interest in the goods or Vehicle being purchased SECURITY INTEREST.- The term " security interest '' means an interest ( including an interest established by a conditional sales contract, mortgage, equipment trust , or other lien or title retentio contract, or lease ) in a motor vehicle when the interest secures payment or performance of an obligation. THIS MEANS THE CAR WAS PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

the creditor access my credit report multiple times without my approval.
Product: Checking or savings account

About XXXX  months ago I had a fraudulent transaction occur on my debit card where an ATM charged me, but failed to provide me cash out of the ATM. SoFi managed to provide me provisional credit and provide a security review on the case without locking my account. Once reviewed they turned my provisional credit permanent. They also replaced my debit card as expected. 


On XX/XX/2024 I had another fraudulent transaction occur with the following amounts being taken from my bank account. It seems someone in California got my debit card and XXXX XXXX XXXX themselves a lot of money : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX : - {$200.00} They actually started doing this on XX/XX/XXXX, but it was only for {$25.00} so I didn't notice it. 

XX/XX/XXXX : XXXX XXXX XXXX : - {$25.00} Since then they provided me provisional credit, but froze my account completely, the provisional credit is useless. I also don't have other forms of money I can use so I have had to loan money from my friends. All of my bills are starting to get late charges and I want these reimbursed as well. They fail to provide me updates on this review which leaves me in the dark and having no estimated time frame of when my bank account will be unfrozen. I have spoken to the security/fraud department which only has one level of support, and the customer experience team through both tiers of support.
Product: Credit card or prepaid card

I have perfect payment history with Capital One, but the account is showing one late payment from XX/XX/2019 which is NOT accurate. I have tried many times to have the issue resolved and corrected with Capital One, including emails and letters to their executives, but the attempts have not resulted in any positive resolution with the company.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

My wife and I filed and received a chapter XXXX bankruptcy in XXXX XXXX. We continued to pay Specialized Loan Servicing outside of the bankruptcy, however they refused to send monthly statements and they removed my ability to see my account on-line. In XXXX XXXX, we apparently failed to make the monthly payment, a complete oversight on our behalf. SLS then began showing that we were 30 days late, we were completely unaware, and they continued this until the discharge of the bankruptcy. They also, during this entire time, reported to the credit bureaus that we were paying on time, again making us believe everything was OK. Then suddenly when the discharge took place in XXXX XXXX, they updated all the credit bureaus to reflect that we had been 30 days late every month XXXX 48 months XXXX. We should have been shown 30 days late XXXX time in XXXX of XXXX ... XXXX time, but instead they decided to punish us and show us late for four years. In my opinion this was a willful act to blemish our credit and reputation. When we were notified of the oversight ( missing payment ) we made it good, along with fees, but this was not good enough for SLS. To me it is an unfair practice to not supply a statement to a customer and not allow them access to their account, but then you want to smear their credit when you do not receive a payment.