23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A non family member was contacted regarding a collection account by this company on XX/XX/20. I called and spoke to XXXX. XXXX confirmed my address. If they have my address they should not be contacting people to locate me. XXXX Told me that I owed XXXX hospital $ XXXX. I explained that I have insurance and my copay is {$100.00} so that bill is not correct. XXXX told me that is what XXXX is reporting and I owe today and it is going to affect my credit if it is not paid. I said I am not going to pay a bill that I do not feel is correct text. She hung up on me without any instruction how to proceed. Did not inform me of any rights or recordings of any kind.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX # XXXX Employer ( XXXX ) : Dominoes/Dominos Name ( XXXX ) other than XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bend Oregon XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) : XXXX XXXX XXXX, XXXX has/have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX 2011, I was involved in a car accident. The car was financed by Nissan Motor Acceptance. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from NMAC about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.
Product: Debt collection

) I previosly inquired about similar circumstances in XXXX*-please do not classify this as duplicate complaint- Because I was homeless and disputed PRA again-yet they say I haven't " provided them with docs. '' *XXXX Long story short, please see the written communications attached showing that PRA is still violating your very own rules and legislature 's laws regarding deception/misleading/misrepresentations ; XXXX IS NOT PARTICIPATING IN COLLECTION EFFORTS WITH PRA-YET PRA SENT ME A LETTER WHICH BY IMPLICATION WOULD DETER ME AND ANY OTHER FROM EVEN CHALLENGING PRA 'S LEGAL OWNERSHIP OF THIS ALLEGED DEBT. This is because they have nothing authentic as evidence. 

I am XXXX yrs old and am experiencing much stress as a result of dealing with an alleged debt, which Portfolio Recovery Associates has attempted to coerce me to pay-yet they refuse to show me authentic documents despite my disputes. 
The FDCPA laws say ; 15 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Specifically ; e ( 2 ) - The false representation of ( A ) the character, amount, or legal status of any debt ; e ( 6 ) - The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; e ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false ...

e ( 10 ) - The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

MORE APPROPRIATELY ; e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

Please see dated attached docs and help me to resolve this trickery before I resort to a the courts. Thank You
Product: Credit reporting or other personal consumer reports

Delete this for inaccuracy because it continues to report payment activity after the closing date as OK. All this activity is invalid please remove this account. I request an investigation validating the true closing date this account has been re-aged. Also the Account number does not exist on any of my accounts.
Product: Mortgage

I am in default on a mortgage made originally to XXXX then purchased by XXXX. I was working with XXXX on a Short Sale on the subject property due to financial difficulties. During the Short Sale process the loan was sold to Shellpoint Mortgage. I understood the need to begin the Short Sale process over again and did so. Completed paperwork XXXX times as each time due to Shellpoints delay the paperwork had to be updated. Was approved for the Short Sale then Shellpoint held up the process. Buyer walked a way in frustration. Then agreed to do a Deed in Lieu. This last action was agreed to over XXXX months ago. Shellpoint provided a list of items they required for the Deed in Lieu. We met each condition. One condition was to remove all tenants from the property so that they could take over the property with their own management team. We vacated the property which meant no income coming in. This was over XXXX months ago and Shellpoint has yet to move on the Deed in Lieu. Only stating to us that paperwork is in process. Shellpoint is adding interest and property management fees to the total owed each month. They refuse to communicate via email or in person. They do not answer their phone and require you to leave messages which they do not return. If they call they do not leave a message. They only send a monthly statement with fees added to the amount owed. We are willing to do the Deed in Lieu or Foreclosure but they refuse to move with regard to completing the process. We are at a loss on what to do. This is very frustrating to say the least. Do n't know where to turn or how to move on.
Product: Mortgage

Complaint : PNC Banks refusing to accept mortgage payment for the purpose of trying to default on my mortgage loan, so PNC Bank can foreclose on my property. 

I reside in XXXX XXXX, FL. I have a VA mortgage with PNC bank as of XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, I went to 2 PNC Banks ( PNC Bank-XXXX on XXXX XXXX and PNC Bank on XXXX XXXX on XXXX XXXX ) to make payment on my mortgage ; PNC tellers notify me that there is no pending payment on my account and my account is showing a XXXX balance. Also, there is no mortgage account associated with my name. I requested a copy of this information, but my request was denied. This was quite abnormal because I made 99.9 % of all my mortgage payments through PNC Bank tellers for the last four years. I attempted to make a payment on PNC Bank Payment Options Center online, but my mortgage account information was not listed in PNC Bank Payment Options Center online. I contacted PNC Bank ( XXXX ) -XXXX automated payment system where I was automatically provided with a pending balance. I paid my monthly mortgage payment through the automated payment system over the phone. This automated payment was listed as PNC mortgage 2nd mortgage in my banking statement which is quite puzzling because I never took a 2nd mortgage on my home. I research XXXX County Property website and there is no 2nd mortgage listed ; also, there is no payoff from PNC bank showing that my mortgage is paid off. I have not received any correspondence from PNC Bank pertaining to this matter beforehand. Furthermore, I had 2 witnesses to these incidents. It seems that PNC Bank is refusing to accept payments for the purpose of trying to default on my mortgage loan, so PNC Bank can foreclose on my property.
Product: Debt collection

I obtain ownership by grant deed of my address which is XXXX XXXX XXXX XXXX XXXX California before obtaining his property I went down to XXXX they said it was no leans no loans owed that was ever recorded against the property even with the previous owners the previous owner XXXX XXXX and XXXX XXXX which XXXX XXXX is deceased he has been deceased since XXXX XXXX late last year in XXXX Miss XXXX XXXX won a settlement against Ocwen loan servicing of its long and mortgage practices by the bureau the state of California XXXX XXXX XXXX XXXX and in XXXX of XXXX is when I gain ownership by grant deed of the property. 

Recently I was aware that the property has been sold on XX/XX/XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX mortgage servicing and I have several documents which is from XXXX courthouse for notice of vacate stating that my property was sold. I found a cp10 form writ of possession and included my documentation stating that I was done. The only owner of this property XX/XX/XXXX at XXXX XXXX which I was given a court date XX/XX/XXXX. XXXX. When I appeared on this date the judge neither called my name and it was my documentation that I filed for the writ of possession cp10 form instead he called XXXX XXXX  and XXXX and XXXX XXXX which XXXX XXXX is deceased when I approach the bench to notify the judge that I was the owner and I filed for this writ of possession the judge was angry and said where is the bank yelling where is the bank he kept yelling I said I'm the one filing this motion your honor he said what documentation what proof do I have of ownership once I showed him the ownership he proceeded to do an illegal motion on the bank 's behalf which is illegal cuz the bank wasn't even there I also notified the state of California XXXX XXXX XXXX XXXX and I am seeking other legal services at this time to correct this mistake I have documentation paperwork of everything that I'm saying is true and the person that XXXX XXXX  use to file a writ of possession for {$10000.00} for rent fees wish this never been a rented property they used a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX I ALSO TRIED CALLING AND THIS COMPANY NUMBER IS NO LONGER IN SERVICE TO MY KNOWLEDGE I'M THINKING THAT THESE PEOPLE ARE TRYING TO STEAL MY PROPERTY AND MANIPULATING THE COURTS TO DO IT PLEASE HELP AT YOUR EARLIEST CONVENIENCE THANK YOU XXXX XXXX XXXX
Product: Credit card

I applied for the FORTIVA retail XXXX XXXX credit card with a limit of {$3000.00} and the interest rate was said to be 35 % which I feel is very high, so when the first statement came out I paid what was due and a week later they changed my payment amount for no reason and that made the original payment escalate more than what was agreed from the enrollment date. I would like to get a lower interest rate and my monthly payments reduced and also I would like them to stop changing my monthly payments when they fill like it. My payments originally were {$170.00} then it has escalated for no reason even though I paid on time.
Product: Mortgage

My home was taken off my credit report. I filed a bankruptcy loan back in 2008 and I clearly told my attorney to make sure my house was not included in the bankruptcy. My mortgage servicer was Greentree, the mortgage was reported in my credit report properly, but DiTech took my loan and removed my home from my credit report, even though they recently sent me a verification of mortgage stating the home was mine. This has ruined my credit. I have talked to them on many occasions and they are not willing to help. I tried to get a reaffirmation and mt bankruptcy attorney has been uncooperative. My loan investor is XXXX and they have told me they do not know what I should do.
Product: Payday loan, title loan, or personal loan

Around the end of last year, I used an alternate payment source to pay my installment loan with Lending Point. I was asked by the representative if I wanted to save the payment source for auto withdrawals, to which my reply was " no ''. Lending point saved the payment source anyway and took unauthorized payments the next 3 months via that payment source. I contacted Lending Point in XXXX so they could stop charging that unauthorized payment source and correct the matter. I was informed that my call was escalated and a manager would call me back to remedy the issue. While Lending Point did indeed call me, it was never the escalated callback. I notified Lending Point that I was ceasing payments until corrective measures had taken place regarding them making unauthorized charges to that account. I again requested that supervision reach out to handle the matter. This call never happened. Recently, I received credit bureau notice that this account was severely overdue. I again reached out to Lending Point to attempt correction. The call was again escalated yet this time, I was immediately connected to a supervisor. I informed the supervisor of the situation who later confirmed the information I gave. I was told that the representative that made the " mistake '' faced corrective action, yet the only correction Lending Point could make was offering a hardship program to " catch me up ''. Lending Point intends on using their protocols and policies to justify violating consumer rights and technically committing bank fraud. After tirelessly trying to come to a fair and just result, I am left with no further option but to
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from buying a new car today XX/XX/2020 because when they ran my credit, I was told that there were four accounts with negative payment history appearing on my credit. I looked through my credit report myself and I saw those four accounts and none of them are mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I have no idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report. I did not get anything out of those accounts such as money, services, goods or anything else nor did I ever make any payments towards any of those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, I received an email and letter from the Department of Education. In regards to, Student Loan Discharge Based on Borrower Defense Evidence. The notice from the Department of Education stated, " Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. '' I have previously disputed with all credit bureaus and the issue has failed to be resolved. I contacted the loan servicer XXXX after receiving written notice and was advised it will be removed in 90 days. This was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card ( XXXX XXXX ) contacted me by phone and by letter to let me know they were sorry about my recent death. I called the phone number on my credit card on XX/XX/XXXX. I was told that one of the credit reporting agencies had given me a credit score of XXXX. Apparently, when you have actually died, your credit score goes to a score of XXXX. At the suggestion of XXXX XXXX, I initiated a credit freeze on my three credit reports and requested that all three credit reporting agencies send me complete credit reports. One of the three had what appeared to be all correct personal information. Transunion has included information about my previous wife, who actually has been deceased 6 years as of XX/XX/XXXX. My first name is " XXXX '' and then middle initial " XXXX '' Her first name was " XXXX '' with middle initial " XXXX '' When we married, she took my last name as her last name, so the two names are very similar. Under my personal information, they have listed two variations of her name, " XXXX XXXX '' and " XXXX XXXX. XXXX. ''
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX  XXXX XXXX XXXX, XXXX, US DEP ED.
Product: Credit card

The charge on the account was fraud. I never used the account. Capital One refuses to take a fraud report and refuses to close the account without me sending personal information such as bank statements. They also are refusing to close the account until I provide them with payment for the balance. They continue to charge interest and late payments and report to my credit union.
Product: Credit card or prepaid card

We have a credit card through XXXX XXXX XXXX XXXX with COMENITY Bank. In XXXX of XXXX, we questioned a recurring, fraudulent charge of {$39.00} to our card from a " vendor '' called XXXX XXXX XXXX. Please note that the internet is rife with complaints about these fraudulent charges and one only has to XXXX the XXXX XXXX XXXX  to read about them. The bank took our information and told us the monthly charges had actually gone back over a year. The bank said it would reverse the charges for a total of {$510.00} while it investigated the charges. We thought that was the end of the problem. 

Fast forward to today, XX/XX/XXXX. We just realized that the fraudulent charges have started up again to our account and had now posted twice a month : twice in XXXX and twice in XXXX for a total of about {$160.00}. We called the bank for help and we were told that on XX/XX/XXXX, the bank had reversed the original reversal and our card was re-charged charged for {$510.00} for some bogus credit subscription. We are now out {$670.00} for fraudulent charges with a company with which we have NEVER done business. The bank refuses to investigate further and there is no end in sight to these charges going forward. 

While we could certainly cancel our credit card and stop doing business with COMENITY, we want to get back our {$670.00} first. Please help us get our money back and do whatever it takes to put the fraudulent vendor XXXX XXXX XXXX  out of business. Clearly, many, many people have had the same charges made to their accounts.
Product: Student loan

I requested my mother be released as a co-signer and AES has disapproved my request because I was once in forbearance. Both of my parents have co-signed on most of my student loans but both are very sick and will soon be on XXXX, losing about half of their income. Once they XXXX, I am concerned that the entire amount of my loans will come due. I am now married, my family size has gone from XXXX to XXXX and our income combined still does not allow me to pay {$690.00} a month in XXXX payment of combined student loans, let alone the remaining {$500.00} a month for a total of close to {$1300.00} a month plus rent, utilities, car payment, insurance, etc. They are not willing to work with me or my co-signers on anything. Its basically too bad. We have nothing they can take, to garnish our wages means starving our families, which for my parents means them not being able to feed their XXXX grandchildren they have custody of and me not being able to feed my XXXX. Things change many years after taking out loans. Life circumstances dictate whether we can make payments. Their interest rates are ridiculous. Please help. Thanks ... XXXX XXXX, XXXX and XXXX XXXX, XXXX. Please ensure call ID says who you are when you call.
Product: Credit reporting or other personal consumer reports

IM ASKING EXPERIAN TO READ ALL MY DOCUMENTS TO REMOVE THIS ERROR ON XXXX XXXX PUTTING A LATE PAYMENT ON MY ALMOST PERFECT CREDIT REPORT,,, ,XXXX XXXX IS NOT FOR THEIR CUSTOMERS... IT'S XXXX XXXX THAT DID NOT FOLLOW THE CODE 15 U.S. CODE & 1666b- TIMING OF PAYMENTS ... .A CREDITOR MAY NOT TREAT A PAYMENT OF A CREDIT CARD OR A LINE OF CREDIT AS LATE FOR ANY PURPOSE, UNLESS THE CREDITOR HAS ADOPTED REASONABLE PROCEDURES DESIGNED TO ENSURE THAT EACH PERIODIC STATEMENT INCLUDING THE INFORMATION REQUIRED BY SECTION 1637 ( b ) OF THIS TITLE IS MAILED OR DELIVERED TO CONSUMER NO LATER THAN 21 DAYS BEFORE THE PAYMENT DUE DATE ... .THIS DID NOT HAPPPEN ... IM ASKING EXPERIAN TO CAREFULLY READ ALL MY DOCUMENTATATION AND REMOVE THE LATE FEE PLEASE ... XXXX XXXX IS THE CAUSE OF ALL OF THIS WITH ME BEING A FRAUD VICTIM AT THEIR BANK..AND XXXX XXXX REP DID NOT LINK MY NEW CHECKING ACCOUNT TO MY LINE OF CREDIT, MY LINE OF CREDIT WAS ALREADY LINKED TO MY OLD CHECKING ACCOUNT BEFORE I WAS A VICTIM AT THIS BANK, AFTER THE REP CLOSED OUT MY OLD ACCOUNT AND ADDED A NEW CHECKING ACCOUNT SHE WAS SUPPOSE TO LINK THE ACCOUNT, BUXXXX XXXX IS COVERING THIS UP ... IM SEND ALL DOCUMENTATION... XXXX  KEEP SEND ME STUPID LETTERS DEALING WITH THE FRAUD ... .THE FRAUD IS OVER WITH, THIS HAPPEENED BECAUSE OF THE FRAUD AT XXXX XXXX, MY ACCOUNT WAS AND ALWAYS HAS BEEN IN GOOD STANDING... DOCUMENTS SPEAK FOR THEMSELVES, XXXX XXXX OWN BANK MANAGER SAID IN AN EMAIL SHE SENT TO ME THAT I WAS NOT LATE FOR XXXX AND XXXX OF XXXX IS THE PROBLEM, REMOVE
Product: Debt collection

I looked at my credit report and saw that this loan along XXXX the address XXXX XXXX XXXX XXXX was on file as my address. Ive never lived in NJ. Ive lost countless passports IDs and social security cards over the year. This is fraud and XXXX paying for this.