23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Glasser and Glasser P.L.C. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Took over the collection of my remaining debts from the precious collector. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, PA that ended on XXXX XXXX since XX/XX/XXXX I agreed to make a monthly payment of {$70.00} until is paid in full. My last statement from XXXX dated XXXX XXXX the total balance was {$2200.00}. My XXXX payment was sent to Glasser and Glasser which is included in the payment summary. The payment for XX/XX/XXXX is missing that they do not acknowledge. Furthermore my first 2 payments in XXXX the month of XXXX and XX/XX/XXXX are missing in the payment summary even after a several phone calls to their office, I had spoken to XXXX 2 or 3 times then to another male representative who give me the email address to send my evidence to my payments and disputes I have done it twice, they ignored me and keep sending me a summary print of my payments with these 3 missing payment is not on the list. I sent a registers mail a month ago with evidences of my payments and mention that my last payment of XXXX will be in XXXX. I will stop giving them money after that. They are not the lawyer that I agreed to in my payment negotiated amount. I never get a statement from Glasser and Glasser every month that I made a payment to them online. But with the previous and the original collector XXXX sent me a monthly statement. Glasser and Glasser are trying to extract more money from me that I do not owe. They claimed in a letter that I got last week from XXXX XXXX stated according to XXXX the credit card provider that I owe more money. I called XXXX base on my SS # I do not have any balance and I do not have any payment due. My payment agreement settlement was with XXXX  never with Glasser and Glasser. I will stand on my ground and agree to the balance I got in my last statement from XXXX dated XXXX XXXX that should be paid in full in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am currently an authorized user on 2 of my cousins account. I been paying responsibly. My issue is XXXX and Barclays are not reporting it to XXXX  and other credit agencies. It shows up on my XXXX  which i will show you in my pictures. I have called both XXXX  and barclays and both companies said they would update this and have not done so. Which is effecting my credit score which I will also show a you a picture of difference between my XXXX  and XXXX. All I am looking for is for everyone to have my accurate information on file. To my understanding of the fair credit report act this situation should have been fixed as it's been over 45 days and this is still not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a claim because there has been fraudulent things being done on my consumer report by TransUnion, XXXX XXXX XXXX XXXX all three credit bureaus have been adding inquiries on my consumer report and collections that I do not authorize. No unauthorized user can BY LAW be falsely reporting things on my consumer report affecting my creditworthiness. I, the original Creditor do not owe any debt ; and the debt has also been disputed and sold to another 3rd party. I ask for any reporting agency and 3rd party to provide me documentation of an Original Contract signed by me & another party validating the alleged debt I Owe. A third party does not have an original contract with my signature used as an negotiable instrument Title 12 and by law if they do they would have to disclose this information stating I am the Creditor, & consumer funding the account with my signature as an Negotiable Instrument Which is another violation of these public institutions under U.S. code 15 USC 1611, 15 USC 1681 ( a ) ( 2 ).
Product: Student loan

Submitted SAVE plan in XXXX and it is still pending- Mohela XXXX not communicate any information/a timeline to me. I would weekly check to see the status without it moving. Mohela placed my loan in administrative forbearance without any communication that this action was taken. They then removed me and stated I had late payments without any communication. I have messaged Mohela on the following dates : XX/XX/28, XXXX, XXXX and have not received any responses. I have called Mohela on XXXX separate occasions and due to waits over XXXX hour, I requested call backs that I never received. The only callback I received was 2 days after my call on a Friday evening when I was unavailable. Mohela has still not communicated with me regarding my XXXX plan being processed and I found out today that I was placed back in forbearance without any communication. 
Mohela continued to send me past due bills while continuing not to respond to my messages and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and transuion Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my XXXX and Transunion file.
Product: Mortgage

I contacted Wells Fargo to request loan modification as I lost my job XXXX XXXX and was out of work until XX/XX/XXXX. I was late submitting XX/XX/XXXX's payment and contacted WellsFargo to assist in this matter. I was awaiting my first check from my employer and I requested a withdrawal from my retirement account to cover the mortgage. When I received these monies, I made XX/XX/XXXXand XX/XX/XXXX payments. It posted, but I received a notice from WellFargo regarding my account being delinquent. In the meantime, I completed a loan modification application with the attached requested documentation. XXXX XXXX ( first loan specialist ) denied receipt of the documents. My case was reassigned to XXXX XXXX, loan specialist. I have explained the circumstances that led to my need for assistance. In XX/XX/XXXX I was out of work for six months. I resumed work XX/XX/XXXX. My income changed dramatically as I went from making XXXX XXXX to XXXX XXXX. The mortgage is {$370000.00} and the monthly payments are {$2200.00}. With the decreased income I can not make the mortgage. When documents are submitted, they are either not received or additional requests are made by the specialist ( s ). This matter is sensitive to me and I do not believe it is being taken seriously. For example, yesterday I spoke with loan specialist XXXX XXXX and while on the phone she reviewed my submitted documents and advised me of what I needed to clarify : " Good afternoon XXXX, I completed reviewing your documents and these are the corrections that we discussed. Please provide the following : Signature page of XX/XX/XXXX tax returns Please date the letter regarding not receiving a payment for rent Please sign a statement regarding the employment that you provided Additionally, I will need your XX/XX/XXXX & XX/XX/XXXX check stubs ( not previously requested ) Please complete a real property schedule to include your rental property and your residential property ( not previously requested ) Please enter the amount of the total rent on your rental agreement to equal the payment from the renter and section 8 Correction to page 3 of mortgage assistance application. Please answer all questions. Section 8 approval letter ( not previously requested ) ''. While I understand that there may be a need for additional documentation, I do n't expect that the same documents are requested repeatedly. I am concerned that my credit rating will be damaged and I may be forced to foreclose.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act : this, XXXX XXXX {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Numbered Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account:XXXXXXXX from 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 an account without my written instructions. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information of the consumers. I have the right to dispute incomplete or inaccurate information on my credit report. 
This collection account reported on my credit report is inaccurate, this account is not belonged to me, I have sent several dispute letters to the creditor and your company to verify the accuracy of the information reported on my credit file and no action has been taken to solve this concern. See the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX opened on XX/XX/2018 balance XXXX
Product: Checking or savings account

There were fraudulent transactions on my account and when I addressed it with the bank they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHARGE OFF IS INCOME THAT HAVE TO BE REPORTED TO THE IRS. 
XXXX XXXX XXXX XXXX has been marked as a CHARGE OFF On my CONSUMER REPORT. 
I want a 1099c sent to me. Any amount Over {$600.00} is TAX FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a few items on my credit report however it keeps coming back as verified. XXXX XXXX XXXX Also a lot or inquires In may i spoke to a police officer they gave me a police report I called all 3 beaus with the report number. I was told it would take 5 bus days its now XX/XX/XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX CRED Account Number : XXXX Account name : XXXX FUNDING Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

Good afternoon! I am filing a complaint in regards to a XXXX XXXX account that I have been disputing. I have requested on numerous occasions to obtain the original consumer signed contract & XXXX XXXX, nor Weltman, Weinberg & Reid Co had responded with a copy of the actual consumer signed contract. I have been attempting to resolve this matter for months & have had no luck. What I am asking for is very simple. An original consumer signed contract. I have requested the again via email to Weltman as well, with no response to date. There is a court hearing this Wednesday and I am doing everything I can to resolve this issue. PER FCRA 609 I have requested what is a proper debt validation & it seems impossible to obtain that copy from XXXX  XXXX  or Weltman. In their last response they claimed they werent reporting this to the Credit Bureaus, which is not true. The information that was sent to me in XX/XX/XXXXwas not a valid debt verification. Anyone can send me copies of bills and statements. That is not what Ive been requesting. As I have said I am doing my best to resolve this matter with no such luck.
Product: Vehicle loan or lease

In XX/XX/year>, I met with a representative from One Main, to Refinance a car loan that I already had was under the impression that it was a car loan that gave me additional funding to use as a personal loan, until I signed. I found out that the loan was no longer a regular car loan that I can shop around in the future to Refinance with other companies. I was told that they turned the Car Loan into a personal loan using my car as collateral for the loan?? So I can't trade my car in for an upgrade because I no longer have a car loan they purchased my car, holding the title and made it a personal loan, which forces me to pay way more than my car is worth in monthly payments and no leverage to upgrade without paying the LOAN off. Very deceiving as the initial sign up passing this loan and a regular Refinaced car loan.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I refinanced an auto loan with XXXX XXXX XXXX with Pentagon Federal Credit Union. 
The credit union began calling me with late fees because they charged me an unsecured interest rate because they had not received the title for my vehicle. I paid these fees accordingly. 
I have a letter dated XX/XX/year> from XXXX XXXX XXXX stating that they have sent my title the XXXX. I called XXXX numerous times to stop the increased interest rate and subsequent fees given this letter ; especially because XXXX shared with me that they could pull my title in real time online as soon as it was released. I was told they would stop charging me the increased interest. 
Beginning in XX/XX/year>, we began traveling with family driving cross country until XXXXXXXX XXXX XXXX. Upon our return, XXXX called and I spoke with them- they were asking for additional documentation to sign the title over to them. They repeatedly said it had been emailed. I never received it via email. I did receive it via XXXX the week of XX/XX/XXXX - over 5 MONTHS AFTER the title was available to them to do this ( It is postmarked XX/XX/year> ). Per the instructions, I completed the documents and mailed them as instructed. The letter specifically states that photocopies are not acceptable. The ORIGINAL application form must be returned to PenFed. 
Today I received a notice that they recorded a late payment from me due to these charges. This is absolutely fraudulent and a clear example of trying to increase interest income when they do not have the grounds to do so. 
I want my XXXX corrected and the past due interest removed from my account.
Product: Credit reporting or other personal consumer reports

I received a letter from Experian last month round XX/XX/XXXX cause I purchased car over 7years ago and the car had major problems so the mechanic guy came and pulled it to his shop and somehow he ended up keeping the car I XXXX XXXX and they say the title is with the company XXXX XXXX but somehow the mechanic got the car and it's on my credit it's stopping me from getting loans cars etc they say I owe but I dont
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX  - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX  - XX/XX/2024 The following inquiry was not authorized and should not be reporting
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX I learned that XXXX XXXX XXXX obtained my XXXX consumer report on XX/XX/XXXX. I sent a letter on XX/XX/XXXX asking why they obtained my report. My letter was received on XX/XX/XXXX. They never responded to my letter.
Product: Credit card or prepaid card

I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at COMENITYCAPITAL/ZALE, COMENITYBANK/VICTORI and COMENITYBANK/XXXX. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I am a victim of identity theft and did not make the charge [ s ].
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent ( XXXX XXXXXXXX XXXX XXXX -account XXXX  XXXX ) ( Direct Credit Control - XXXX XXXX XXXXXXXX ) ( XXXX XXXX Recovery- account XXXX XXXX ), 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/2023, I applied to open a business checking account with Huntington Bank online. I uploaded my documents but they said they did not have all the documents necessary to open an account. I uploaded all the documents given to me by the Secretary of State for my state in XXXX. I have also opened up a previous bank account with the same documents. I called and they couldn't tell me what I was missing and the email sent didn't ask for any further documentation on what I was missing either. I have tried corresponding with XXXX XXXX, the person assigned to open my business checking account, for almost XXXX weeks now with no response. I have called repeatedly to the business line with no help and even called my local branch to have them try and get in contact with XXXX XXXX and someone else in the business department. Today, XX/XX/2023, I requested to have my information transferred to someone else since XXXX XXXX is not responsive and the representative on the phone said that's not possible. So if someone is out sick, dies, or quits, my information would just sit there forever with no action being taken. The feds need to look at Huntington Bank 's business processes because they are harmful and make no sense.
Product: Mortgage

I have Home equity loan ( fixed ) Shellpoint Mortgage Serving. 
It clearly states on the letter datedXX/XX/2021.That I am on a Forbearance plan. 
Loss income due to COVID-19. I Only have Social Security and Unemployment ( that may end soon ) They will not extend the Forbearance because I have Income. 
I stated I am not working and Social Security in NOT working income Income being my Social Security and Unemployment ( which may end soon ) I ask to defer my past 13 payments. They said I would need to pay off 10 payments and they will defer the 3 months. ( I do not have that kind of money ) The rep stated that the investor rules would not allowed deferment because of my Lates ( I said under the CARES act you can not count miss payments as Late ) I ask to speak to a supervisor and she said it be 24 -48 hours
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

Unauthorized Experian and XXXX XXXX inquiry errors to be removed immediately : Dates : XX/XX/2023 and XX/XX/2023 XXXX and XXXX
Product: Debt collection

Student loans -- XXXX -- XX/XX/XXXX Medical bills -- XXXX -- XX/XX/XXXX inquires -- 5 -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced a XXXX point loss to credit score on XX/XX/XXXX for no reason. Transunion Score is now XXXX points lower than XXXX and XXXX, with the same reported information to all three bureaus. Transunion has failed to provide a reasonable explanation to why this is the case, other than its their proprietary scoring model that caused the score drop and the score difference between reporting agencies. 
Transunion refuses to fix or address the discrepancy or provide any transparency regarding the method in which scores are calculated, why the score dropped and why it is lower than the other reporting agencies. A large number of consumers on social media and consumer sites are complaining of Transunion Score being significantly lower than the other bureaus, or the score suddenly decreasing and fluctuating for no apparent reason, or for paying off loans to term and as agreed, paying off credit cards, or after having disputed information removed. Please open an investigation/federal inquiry to Transunion. Their scoring model is flawed, egregious and harmful to consumers, causing credit denials and higher interest rates.