23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I enrolled in National Debt Relief at a really vulnerable time in my life back in XXXX of XXXX. I was informed by this company that I would pay $ XXXX, which was such a huge stretch for me at the time but I went with it and that they would negotiate my account balances with the vendors. Once they reached an agreement they would take a percentage from the payment for their services. I was understanding at this point. I was informed that they negotiated an amount in XXXX of XXXX for one of the creditors and that they would start using the money they already pulled from my account. A few months later I started learning more about credit and learned that I could myself call and negotiate, especially since the XXXX payment was too much for me at the time. I, on my own came to agreements with my creditors and started payment with them directly. I canceled my account with NDR in XXXX of XXXX. The woman on the phone was a bully and told me that because I signed a contract with them I still have to pay them back for any amounts they negotiated. I didnt understand this being that I myself had a lower payment with the company than what they got and I would no longer be using them. At this point they continued to take $ XXXX from my bank for their so called services. Its not almost a year later and I am not understanding why I am paying them. They have not done any work for me or made any payments on my behalf since XXXX of XXXX. And now I owe them for a debt I dont even currently have with my account. I cant make any sense of it. I called and spoke with two women who said I still owe them regardless and just kept repeating the same statements over and over not even understanding or listening to me. I asked them to remove my bank account and neither of them could apparently do it, I also cant do it online on my own and Im currently still waiting for a call back. Due to this I currently have accumulated more debt that I had before entering in this program. This is fraudulent. This company has not done any work on my behalf in almost a year yet are still taking money for services that are not even being done. When I spoke with a woman she said we saw you canceled but that you still opted to stay in the program what does that even mean? If I canceled why would I still be in it? This company preys and bullies vulnerable individuals and claim they are here to help. This is unfair, unjust, cruel and malicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid this account XXXX weeks ago. It has cleared and posted to our bank and everything. The company XXXX instructed us to dispute the account once payment was cleared as paid and they would remove it from all reporting agencies. We did this on XXXX recorded lines ( ours and the companies XXXX. We have done so and the company responded that a balance is still owed and the account is still reporting. At this point we are not disputing anything we would just like it removed as promised since all funds have been cleared and paid in full.
Product: Student loan

Hello! 

This is a short complaint and may mirror many other complaints concerning the APR on repaying student debt. 

I did forbear my loan now and then when my wife was in law school. This was many years ago and now I am turning XXXX and still have XXXX of my original XXXX to repay. 

I have paid the Vermont Student Assistant Corporation ( VSAC ) over 30K in interest since I graduated in XXXX. 

My fixed high interest loan pays more to the high rate per month than what goes on the principle amount. 

In XXXX, I paid over {$5800.00} in interest on my loans. 

I have complained before and only got a phone call from a worried VSAC about the complaint. The conversation did not lend any help. It was, instead, management at VSAC again blaiming me while I pay more than my monthly payment per month. 

The management was not able to assist in any manner. I asked that they assist in lowering the already front loaded high rate. No answer. I asked if they would help me since I am a XXXX employee, but I make too much to qualify for income based, 10-year repayment. 

I expect this complaint will be met with the same uncaring, inept managers that are covering their bottom line and hold on to me as long as they can. VSAC is no longer a lender, and appear to be less able to assist than they did back when they were a lender. 

My Senators and Congressman 's office all agree and contacted the Department of Education for me. Further, they assured me that they are drafting ways to help graduates pay for the high interest, front loaded loans. 

At this rate I will most likely carry school debt along with me when I retire. 

Thank you XXXX XXXX
Product: Mortgage

We have been trying to refinance, with what we thought was a good credit record that has no missed or late payments for the past 25 months, no negatives on our credit report, yet was told today that our loan is showing a 50 year ( 600 month ) loan and the first three payments made when the loan transferred to SPS Mortgage on XX/XX/XXXX to XX/XX/XXXX not being reported to the credit bureau is stopping us from refinancing with any of the top mortgage lenders. We've disputed this with SPS various times before with they're response for the 3 missed payments being a litigation filed. 

There was an initial court filing but was soon withdrawn by the attorney because he did not want it stand in the way of us refinancing. SPS response to them not reporting the first three months was because of a litigation. The litigation was soon after removed but they refuse to correct the reporting to show that we have made consistent and on time payments. 

Concerning the 50 year term. That does not exist for our loan, we were told to look at the Note for the loan that dated XXXX that is the same date of the loan they list on the credit reports. That loan was an 30 year XXXX XXXX loan and that a mortgage Servicer follows the Note, which as they listed would be the one dated XXXX which is the same year of the Deed. 

The prior ( to SPS ) mortgage servicer also listed the date of the loan as XXXX, but they reported the terms accurately of being a 30 year loan ( 360 month ). 

There was a loan mod, that changed things to a 40 year loan, but Servicers follow the Note as what the prior Mortgage servicer did because it also referenced the loan by the 2005 year date. 

Every time we applied to refinance we were told that the 50 years term makes our loan look really bad and that it should not be on the credit report because there is no NOTE to support it. The year of XXXX and the original loan amount of {$190000.00} that SPS reports for the loan should also include the original terms that properly represent the loan that is 30 year fixed. I have attached both documentation to both problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 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 in formation Any other adverse item of information, other than records of convictions of crimes which antedates the reporte 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: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Transunion I have obtained a letter from XXXX. The letter states that XXXX obtain address that is not on my credit report. 

The fair credit reporting act clearly states that a consumers credit report must be accurate. 

I have attached documents for your review. Please reinvestigate this public record match with XXXX.
Product: Credit reporting or other personal consumer reports

No knowledge of this company XXXX XXXX XXXXXXXX XXXX XXXX Amount {$530.00}. I called company. I havent open any new accounts they stated the will send information. I never received information. I disputed account XXXX XXXX, XXXX XX/XX/year> and XX/XX/year> and its still reporting on my credit report. XXXX XXXX XXXX reporting inaccurate information on my credit report amount XXXX. I didnt give permission to sell my information its against HIPPA Rules and Regelations. XXXX XXXX XXXX  {$630.00} not my account. XXXX XXXX Ma not my Account. XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XXXX Spoke with Salesman XXXX XXXX and he stared I didnt and never have an account with them and dont owe the amount of XXXX, XXXX. I asked if he could give me something in writing. He directed me to XXXXXXXX XXXX XXXX the company Administrator I spoke with me XXXX and she stated I dont have nor owe XXXX with XXXX XXXX XXXX I emailed her proof that this was reporting on my credit and she stated that I should dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looks like two different time TU interactive let credit runs on my credit without my consent. Transunion didnt do anything to help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Debt collection

I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to Midland Funding requesting verification of this debt. I asked for original signed contract and payment history. It has been well over 45 days and I have not received any response from this company.
Product: Mortgage

My husband and I were behind on our bills as well as our mortgage. From the XXXX of our mothers, father and my husband a XXXX XXXX a year after filing bankruptcy back in XXXX. Our mortgage keep going up because had an adjustable rate never giving us a chance to catch up. So we applied for a modification early part of XXXX. There was info they needed from us to start the modification process. So each time I would fax something they would say they did not receive it. So I started faxing by way of XXXX to insure that I would get a confirmation stating that documents were received. According HSBC mortgage services they finally started reviewing the application. Meanwhile I 'm inquiring about our mortgage payment because we had not been making them, the representative says to me no you do n't make a payment while you are waiting for the modification department to approve or deny your application. Well we went to bankruptcy court XX/XX/XXXX to discuss the mortgage as well as potential increase in our bankruptcy payments, this occurred 3 other times with a HSBC representative being present. On XX/XX/XXXX, the representative from HSBC approved the modification as well as the judge. We received a letter XX/XX/XXXX stating what our new payment would be and date it would began XX/XX/XXXX and also modification actually started on XX/XX/XXXX. We did not wait, we made a payment in XXXX and XXXX. A couple of weeks after making the XXXX payment we received a letter stating there was a breach so they needed XXXX by XX/XX/XXXX or they will be foreclosing on the property. My husband called them and asked why did n't the XXXX go to rear of the loan and we do n't have XXXX. So the response was if you come with XXXX you can keep your home. Our question is, if we were approved in court where were the figures then and why did they send these letters after approval of modification and making our scheduled payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS SENT AN ALERT THAT THIS COMPANT BY THE NAME OF GLOBAL LENDING SERVICES HAD OBTAINED A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSION. UPON CONTACTING THIS COMPANY THEY PLAYED CRAZY AND ACTED AS THOUGH THEY DID NOT WHAT I WAS SPEAKING OF. THEY ARE LISTED ON MY XXXX CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inconsistencies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : ( XXXX XXXX XXXX Account Number XXXX )
Product: Debt collection

Credit Corp Solutions reported to credit bureaus on my personal credit account that I owe {$470.00}. In 2017 this balance was approximately {$100.00} only. This was business purchase and had nothing to with my personal account. 

This is the factual detail : The XXXX XXXX XXXXXXXX Credit card was strictly received and used for my business in Hawaii. This is the business place, where I had invested my life savings and significant capital contribution. I was serving a niche market and had plan to grow. During the expansion process, I hired a licensed realtor, to sell my investment in 2017, so I can relocate my business in a different location and execute my expansion plan. 

During the sale process the realtor colluded with a group of people and fraudulently possessed all my investment, all inventory, everything next thing I had in my business premise. These group of people thrown me out of my work place and brought a sudden halt to my cash flow. 

This is when I became helpless and struggled to survive. The domino effect of this cruelty by the group of people caused a chain of negative impact in all areas of my life. I am still in the same situating, pushing and working hard to survive and hoping to get back in my business. This is when I will be back to do business with XXXX XXXX and all remaining line of business I dealt with. 

This is a sincere request to please " do not impact my personal credit, the charge of {$100.00} was strictly for business. And my business investment fraudulently possessed since 2017 '' Please remove this negative item from my credit. Your consideration is required and requested.
Product: Credit reporting or other personal consumer reports

I have notified and submitted my identity theft report to the federal trade commission in regards to this fraudulent item on my report that need to be removed but as of now still have not.
Product: Credit reporting or other personal consumer reports

Experian failed to give me a proper response and failed to update status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice several hard inquiries that doesn't belong XXXX on XX/XX/XXXX __ XXXX on XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted these companies about incorrect information reporting on my credit report. Please update my correct name and address and delete all other inaccurate information. I want one name and one address reporting only. All other information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 


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