23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I contacted RENTDEBT to make a payment agreement on a debt of {$33000.00}. I asked if I could pay {$200.00} a month until the debt was paid or settled. The CSR I spoke with said that would be fine. I asked for a statement confirming the payment agreement to be sent via email and mail. I was told that a agreement statement would not be possible until the debt was paid In full or settled. The reason why I asked for this is to show that I am paying the debt and to show my home loan officer to qualify for a mortgage so my family and I will no longer be homeless. I called RENTDEBT on XX/XX/XXXX to speak to a manager to be told that they would not be able to send the statement. 
Company responded on XX/XX/XXXX Response Type Closed with XXXX XXXX 's Response My name is XXXX XXXX. I am the Vice President of Compliance for RentDebt Automated Collecons, LLC ( RDAC ) and I have been asked to respond to XXXX XXXX XXXX complaint. RDAC has completed its invesgaon, and the results are as follows. XXXX XXXX account was placed with RDAC for collecon on XX/XX/XXXX, by RDACs client XXXX XXXX, with a balance of {$33000.00}. On XX/XX/XXXX, RDAC mailed its inial collecon leter to XXXX XXXX at his last known address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. That leter included the required noce of validaon rights pursuant to secon XXXX of the Fair Debt Collecon Pracces Act and that leter was not returned as undeliverable to RDAC by the XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX account to the three naonal consumer reporng agencies ( XXXX, XXXX, and XXXX ) ( CRAs ) with permission from our client, XXXX  XXXX. On XX/XX/XXXX, RDAC spoke to XXXX XXXX, during that call, XXXX XXXX verbally agreed to make {$200.00} monthly payments on his balance with XXXX  XXXX. XXXX XXXX asked if RDAC could email him a payment arrangement. The RDAC representave advised XXXX XXXX that he could not comply with the request due to RDAC company policy. RDAC has atached copies of XXXX XXXX final account statement, signed lease, and receipt the payment made on XX/XX/XXXX for {$200.00} We welcome XXXX XXXX to contact our office at XXXX Monday Thursday from XXXX to XXXX and Friday from XXXX to XXXX XXXX XXXX to discuss opons that might be available to him and to assist in resolving his account. Thank you for the opportunity to respond to this complaint. 
XXXX XXXX
Product: Mortgage

Dealing with PNC bank on hardship application -- documents say that loan will not be referred for foreclosure while there's an application for hardship assistance in review ( within 120 days delinquent ) -- completed application submitted ( XXXX ), request made for additional infromation ( submitted XXXX ), loan referred for foreclosure in XXXX ( in spite of completed application ). Received trial modification that wanted to extend loan by 40 years, called to explain that this was not in my best interest and ask for additional options to which I was told there were no other options and referred me to foreclosure attorney for reinstatement amount. Foreclosure attorney said they had to get that information from PNC and then add their fees. I'm disputing that there would even be any additional fees as this should never have been referred for foreclosure in the first place. Still awaiting reinstatement quote which PNC says they will not provide to me directly. Can't get the amount that needs to be paid to resolve this matter. Date to " accept '' modification is approaching and I don't want to decline until I know and have paid the amount due for reinstatement but feel they are dragging their feet to draw out the process to force me into either the plan or official default. Have called and/or emailed every day. Do not get any responses from my assigned XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Continued robot calls. Will not give me address of collector or admit it is collections agency. Hangs up on me when I ask for address. Calls several times per day for the past month. Requests information of me without providing any identification of their company. Have received no written correspondence from this company. 
Name of company is RPM : Receivables Performance Management. The number showing up on my phone is XXXX, a Virginia number.
Product: Student loan

Navient really secured me. A/K.A XXXX XXXX. I went from borrowing from what I was told to getting a loan amount after graduating and following there rules to {$130000.00} in my Federal Loans. They were charging me every month {$1800.00} and at the end of the year all I paid was nothing off the principal balance it was to pay interest. They changed my rate when I had it fixed to variable which I never agreed too. I asked them to please help me and I'll make payments but to lower the interest and payment cause I only make {$40000.00} annually. Also, they didn't care I had Private loans of {$23000.00} which they overcharged me all my loans and lied to me and I tried to explain to them what I signed but they didn't care. They just kept charging me over and over and all they did was to take my money and I have been struggling financial hardship. How can they get away with this. Navient charging me over interest throughout the year. I was lied or not told what my loan was about and when I asked them to explain customer service didn't care and didn't even want to work for me. I do my best to make payments but I had to deferred or forbeaurance cause I couldn't make there payments. As for Income repayment plan they don't take into account the amount of bills I have to pay and for my Private loans they told me can't do anything and you need us to pay us if not bad credit and than I would get even more hurt by them.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX **** XXXX XXXX XXXX account number XXXX **** XXXX XXXX account number XXXX **** XXXX XXXX account number XXXX **** XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX account number XXXX **** XXXX XXXX XXXX original creditor XXXX XXXX XXXX account number XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX  XXXX account number XXXX XXXX XXXX  ( original creditor XXXX XXXX XXXX XXXX XXXX ) account number XXXX **** XXXX XXXX  ( original creditor XXXX XXXX XXXX ) account number XXXX **** XXXX XXXX XXXX  XXXX original creditor XXXX XXXX XXXX ) account number XXXX **** XXXX XXXX  ( original creditor XXXX XXXX  XXXX  XXXX WI ) account number XXXX ** XXXX XXXX account number XXXX **** XXXX  account number XXXX ** XXXX XXXX account number XXXX XXXX  XXXX account number XXXX **** XXXX account number XXXX **** XXXX account number XXXX **** XXXX XXXX  account number XXXX **** XXXX XXXX account number XXXX **** XXXX  XXXX account number XXXX **** I looked at my XXXX credit report on XX/XX/scrub> 2024, and notice some things are incomplete or not accurate. And According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) treatments of inaccurate or in unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, Or modify that item of information, as appropriate, based on results of the reinvestigation and ; ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681S-2 they are suppose to 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, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX/dept of ed, account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX, account # 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 reportion agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Mortgage

The lender is collecting double the amount needed for my property taxes. I made this very clear before the purchase transaction was complete. They said they would collect double the amount necessary until the 2018 assessment was released and do an analysis of the account in XXXX. The loan has been active for 6 months and and they have disbursed the the 1st half of the taxes that the county requires but still double bills me. I have received an escrow analysis after the disbursement was made of {$660.00} to the county. The lenders escrow analysis states my obligation is {$1400.00} per installment. But they only disbursed {$660.00} to the county for the installment. They are paying the correct amount to the county however billing me double. They do not return phone calls or emails. I can document multiple attempts to have the issue resolved. 

They have unfair business practices and poor communication. I am being billed double for my property taxes.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Iss
uance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Debt collection

I was injured at work I have a XXXX Representative my case number is XXXX My case worker is XXXX XXXX the claims department number XXXX. I contacted this collection agency to let them know that I provided all my insurance at the time of services they refuse to take it I 'm insured by XXXX XXXX XXXX XXXX. I 'm constantly getting these harassing letters and no proof of the debt. I contacted them and they sent me a letter stating that if I do n't get the proof in 30 days from XX/XX/2016 Everything will cease and be removed it 's XX/XX/2016 no correspondence yet and this still remains on my credit bureaus XXXX of my credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked Equifax XXXX XXXX to validate as well but they fail to do so. They tell me that I have to talk to the XXXX XXXX. Equifax XXXX XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account
Product: Vehicle loan or lease

I'm writing in regards to my car loan with First Hawaiian Bank ( FHB ). I paid off the full amount of my car loan yesterday afternoon and the money was taken out of my checking account today. When I logged onto the FHB app, the loan was still active and not paid off. 


I then called FHB customer service and was informed that it would take 3-5 business days to post on my FHB account and at that time, I would still be charged a daily interestrate. This is an unacceptable practice and it is outright stealing. I paid off my loan, and I shouldn't have to pay a penny more because FHB takes nearly a week to post a transaction. We are nearly a quarter of the way into the 21st century, there is no excuse why electronic payments are slower than sending a check by the USPS. 


The customer service representative informed me that she spoke to a loan officer and assured me that I, specifically, would not be charged more interest for my loan since I paid it off. 


If thousands of people are experiencing what I experienced today, and they do not fight for their money, this institution will make an exorbitant amount of money from those who have paid off their loan in full. It is unacceptable, and immoral. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found unauthorized inquiries on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit reporting agencies to review these inquiries ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to deleted the following inquiries information on my credit report. 
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.
Product: Credit reporting or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) incorrectly reporting a debt on my credit report that i have filed a fraud report on. The FCRA section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. 
i've had an police report generated and this is the date and location i've made my report XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX POLICE DEPARTMENT XXXX XXXX XXXX XXXX XXXX, FL i sent out multiple dispute letters to have this issue resolved and have gotten nowhere. 

the amount reposted from this fraudulent action is {$9600.00} reported on Date Reported XX/XX/XXXX but open on XX/XX/XXXX and reporting on all major bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have violated several federal and state laws regarding my right as a consumer to privacy.
Product: Credit card

Hello, we opened a 0 % interested free company credit card with US Bank. The problems started when I couldn't set up an online acct to place my card on auto pay. Me and my partner called multiple times over numerous months and no one could help up set up our online access nor did anyone know how to do it. So I could not set auto pay and I could not access my rewards. This error at US Bank caused my account to accumulate late fees, over the limit fees and interested to be charged to my zero percent interest card. I told them of the error and I think they might of waived one late fee. Every time I tried to set up an online acct their online system would generate a message " their is some type of issue with their system ''. 

Then about one month ago I spoke with a rep that was able to aid me in getting the online account set up. I tried to access my online account with the same login information a couple weeks ago and the same error message kept arising and I have not been able to access my online account. 
I received a bill in the mail saying I owed a certain amount so I decided to call in to make the payment because I could not access my acct online to pay. When I called US Bank to make payment the computer system said nothing was owed even though I had a bill stating a certain amount was owed by the due date. Then I got a phone call a couple days later saying my bill was late and I owed {$93.00}. My official bill said around {$300.00} and this is the 1st time Im hearing {$93.00} is owed. So I need the the bank to refund all fees, extend my zero interest double the time and allow me online access to my account. Also, I need to all the phone records.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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: Mortgage

In XXXX and XXXX of XXXX we were behind on payments for our mortgage. Wells Fargo said we quialfed to pay back so much each month to get caught up. We first started working with XXXX from the home preservation team in XXXX of XXXX. We were told how much to pay for the next four months to get caught up. It was to start XX/XX/XXXX of XXXX but I paid some money in XXXX to help with XXXX payment. Each month I paid the money I went into the Wells Fargo and paid with my sheet from the Home Preservation team and after each payment I would call XXXX to let him know we paid. Our last payment was XX/XX/XXXX and I paid it. I again talked with XXXX and told him it was all done. After two weeks it still showed on WellsFargo.com that we were still behind. I called XXXX and we were on the phone for about an hour with a supervisor from the Escrow department. The local branch put the extra money into my escrow. Per our three way conversation they could see the error and was going to fix it. According to her it would take about 6 days. After 7 days it still showed we were behind. Called again and they escrow department said yes they will fix it. Now I got a new home preservation specialist and we again XX/XX/XXXX called and again was told that it would be fixed. We are two months out from paying our agreement and they still show us behind and it still shows up behind on our credit report. I keep getting told oh it takes 6 days and well 6 days is turning into months. It is not my fault that the branch did not know how to apply mortgage payments correctly even when they had the sheet. They should have told me to not go into the branch. But I paid each month with cash so that it would process faster. I just want this all fixed. Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of Education ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction