23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I received another threatening letter from Jefferson Capital systems LLC, requesting my social security number, account numbers, claiming they want to correct the error they made and the threat I received that they will go after my credit if I don't pay. 
Please see my first complaint we did on XX/XX/year>, # XXXX and XXXX. 
Since last week, I worked with XXXX to remove the collection from my credit report after we found out that XXXX sold my information to Jefferson Capital Systems in XXXX. My account with XXXX had already been resolved months ago and paid in full. The fact that XXXX sold my information to a collector in XXXX after the account was resolved is outrageous. Our line of credit to our business is very important to keep us in business. 

I also called XXXX and they told me that my account is closed with no past due. This is a horrible way for a small business to feel validated and afraid to loss our credit.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past 6 months, Equifax have blocked my credit file from me viewing via online. I literally have to spend  20 minu tes on hold to get transfer from the customer service dept. to the office of consumer affairs dept.  ( legal dept. of Equifax ).  I have spoken to sever al specialist including (   XXXX ,   XXXX   XXXX  , and  XXXX   XXXX  ) excuse me if i misspelled their names. We have spoken over the phone more than  12  times now. I repeating asked why is my file being locked from me viewing. Why I ca n't update my file, my old address is still on the file which the other  XXXX  bureaus already corrected the issue. I believe th e specialist at t his office of consumer affairs is personally attacking me from every corner. It 's not fair i ca n't look at my file like the other  200+million consumer Equifax deal with. on top  of this issue i have another issue with Equifax reporting of my tradelines. I repeated asked if my account could be disputed to update my file, i get denied or stated that i had to file the dispute online when my file is block to view even for disputes. It 's like a run around with  Office of consumer affairs. This is unprofessional, childish, Equifax should be fine for allowing s uch a harmful practices being displayed by these specialists. They treat me like a piece of trash from the dumpster. I am a victim of identity theft and is being treated like this. : ( this is a sad moment for the integrity of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that XXXX, Transunion and XXXX  to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX   {$950.00} Account # 4 XXXX XXXX XXXX XXXX  Account # 5 OXXXX XXXX XXXX {$180.00}
Product: Debt collection

On XX/XX/2022 I wrote to equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that equifax reply within a reasonable amount of time. Since this is my second request, I am notifying you that I have signed receipts for letters sent to equifax and equifax have not complied with my request. I regret that I am being forced to take such action. As this is affecting my credit ratings, I want this removed immediately. Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I also understand that equifax are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. So now I demand everything is removed immediately
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was disappointed with the outcome. Could you please explain the process you used to reach out to the creditor? I'm keen to understand the fair procedure you followed to determine if the disputes are valid and if the information provided are correct. Has the furnisher confirmed the accuracy of the information? 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Notice of Inaccurate Reporting Request for Investigation and Removal under FCRA To Whom It May Concern, I am writing to dispute inaccurate information that is currently being reported on my credit report. This incorrect information is adversely affecting my credit score, standing, and reputation. Under my rights outlined in the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I request that you conduct a reasonable investigation into this error and remove the following account from my credit report as it does not meet the standards of accuracy required by law : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) The FCRA requires that you assure maximum possible accuracy of information in consumer reports [ 15 U.S.C. 1681e ( b ) ]. This account, as listed, is inaccurately reported as a Collection/Chargeoff and contains erroneous information about the original creditor. Additionally, the account details indicate that this issue negatively impacts my creditworthiness, thereby causing undue harm in my efforts to secure financial stability and build my familys legacy. 
The following inaccuracies were found : Account Type : Collection Account Status : Derogatory Balance : {$1000.00} Date Opened : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Payment Status : Collection/Chargeoff Legal Rights under FCRA : Under 15 U.S.C. 1681i, you are obligated to perform a reasonable reinvestigation of disputed information within 30 days of receiving my request, and I expect a full investigation of this account to determine its accuracy. Furthermore, under 15 U.S.C. 1681c, any account involving collections must meet specific reporting standards, which I believe this account does not satisfy. 
If your investigation does not confirm the accuracy of this item, you are required to delete it from my file. I also request that any necessary changes be reported to all credit reporting agencies, including XXXX and XXXX, to reflect accurate data across all platforms. 
If the investigation does not result in deletion, I reserve the right to include a statement of dispute on my credit file, per 15 U.S.C. 1681i ( b ), and to pursue additional remedies under the FCRA, including potential civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and negligent noncompliance [ 15 U.S.C. 1681o ]. 
Please forward any written communication or updates regarding this matter to my address listed below. 
Thank you for your time and prompt attention to this dispute. I look forward to your resolution within the statutory XXXX window. 
Sincerely,
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THIS LATE PAYMENT OFF OF MY REPORT I am submitting this complaint regarding inaccurate late payment information that is being reported on my credit report by EQUIFAX with XXXX XXXX After reviewing my credit report, I discovered that this account is incorrectly marked with late payments for the months of XX/XX/year> AS A LATE PAYMENT. WHEN THE OTHER CREDIT AGENCIES ARE REPORTING OTHERWISE I firmly believe these late payments are inaccurate for the following reasons : I WILL ATTATCH A SCREEN SHOT WITH THIS REPORT According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate information reflected on my credit report. Since these late payments are not accurate, I request that they be thoroughly investigated and promptly removed. I kindly ask that you contact EQUIFAX to verify the accuracy of these late payments, and I request that you take appropriate action to ensure that my credit report reflects only accurate information. I appreciate your attention to this matter and trust that this issue will be resolved promptly.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

My mortgage company denied my application for modifying my loan. In their denial letter, they stated, what I feel are, generic reasons for not qualifying for any of the modification programs. I have tried to ask for clarification, and a better understanding of why they believe I am not eligible, and they are unwilling to give me that information. While they did send an appeal form with the denial letter, it is kind of hard to appeal their decision, or interpretation of the information that I sent them, if they will not go into the details with me. It is also impossible to provide them with additional information, or point out a mistake that may have been made, which is the reason for the appeal, if they are not forth coming with how they came to their conclusion. A few examples, they claim my property has a negative NPV, but will not give me the numbers they used to arrive at this determination. They are using a credit score, XXXX of points below the credit ratings I have pulled up on line. They are using a property value, XXXX dollars below the market value of my property, even though I have submitted a copy of the last appraisal I had done, and have pointed out, that they used an appraiser who did a drive by exterior appraisal, and compared my property to others in the area that are less than 1/2 the size. I am trying to find out if their is a way to file a complaint with XXXX about this, and where I would go, or who I would call to accomplish this.
Product: Student loan

I attended XXXX University in XXXX XXXX, MI. My first loans were through AES and while I have XXXX other private lenders and XXXX federal lender ( XXXX total ) AES ( American Education Services ) has given me nothing but grief. I am recently unemployed and called them while my account was in good standing to hear my forbearance/deferment options. The person I spoke with told me XXXX of my XXXX accounts could be put on forbearance which would bring my bill to XXXX dollars less a month. I filled out all the paperwork as well as my co-signer and it 's been well over a month with no answer. I have called every week and each time I get a different answer. First it was wait a while longer until it goes through. Now it 's nothing was ever processed b/c you have no forbearance available. So obviously I was told wrong information at the beginning, have been run around in circles, and now I am 2 months late and they are hounding me every day. I have busted my back to work with them and figure this out and this is definitely not the first time I 've had issues with them. They are rude and give me the run around. They are by far the worst loan company I 've ever had the displeasure of working with. Thanks for any help you can offer.
Product: Debt collection

The debt collector by the name of XXXX XXXX ( " XXXX '' ) who falsely identifies himself as an Attorney which violates 15 U.S.C. 1692e ( 3 ) took legal action against me for a consumer credit transaction that I initiated for a credit card on behalf of XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). XXXX is a debt collector. I am the original creditor for the consumer credit transaction. XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. XXXX XXXX also did not have the permission from a court of competent jurisdiction to communicate with XXXX. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. I was never properly served legal documents. XXXX does not have authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. He requested a default judgment against me and mail was sent to an address that does not belong to me. This is not my first run in with XXXX taking illegal action against me. My private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. They reported false information on my consumer report which resulted in adverse actions. The information was posted to the credit reporting agencies to coerce payment of the debt. I will attach a copy for review.
Product: Mortgage

Shellpoint still have not corrected the error with my unapplied balance, and you all added a {$500.00} late charge that should not have been added to my account. Once again you all continue to conduct suspicious activity regarding my account. 

On the invoice with statement dated XX/XX/2023 with the next due date for XX/XX/2023, you all have added a late charge of {$500.00}, and I should not have been charged a late fee. Shellpoint has this message stated on all mailed invoices, Total fees/Paid Unpaid Amount/Total Payment Amount*. Please be advised that post-petition fees, expenses or charges reflected on this statement might be subject to additional disclosure requirements under Rule 3002.1 of the Federal Rules of Bankruptcy Procedure. In the event such post-petition fees, expenses or charges are disallowed by the bankruptcy court, a subsequent waiver will be applied to your account. 

You all also still have my unapplied balance of {$2300.00} in the exact amount of my monthly mortgage payment sitting, for XXXX months, in the unapplied balance instead of applying it to my Mortgage payment. Whether it is a post-petition payment or pre-petition payment it is not applied to anything. The money is sent to be applied to my monthly mortgage payment. Shellpoint has this message stated on all mailed invoices, *Partial Payments : Any partial payments listed here are not applied to your mortgage, but instead are held in one or more separate suspense accounts. Once we receive funds equal to a full monthly payment, we will apply those funds to your mortgage. 

My current balance states that I owe {$6500.00}. I need you all to apply {$2300.00} from my unapplied balance to my mortgage payment. I would like you to correct this {$500.00} fee/late charge error that was applied to my account. 

After correcting those errors, the total payment that I owe for the month of XXXX is {$3700.00} in which {$1400.00} of this amount is a legal fee.
Product: Credit reporting or other personal consumer reports

Every 2 years or so, this Company Forman Financial Inc. keeps running my credit WITHOUT MY AUTHORIZATION!!! His name is XXXX, whos responsible for this fraudulent credit inquiry. This last inquiry was today XX/XX/year> and it was blocked by XXXX. I have not done any new business with Forman Financial IncXXXX for over 10 years. Forman Financial Inc is the reason why I have locked my credit. Ive tried talking, but XXXX got very hostile with me over the phone.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I applied for a personal loan with Net Credit. I was " approved '' for a loan in the amount of {$2700.00} and allowed Net Credit to view my checking account via their online account link. I then received an email indicating I needed to provide a copy of my most recent bank account statement, which I did immediately. 

Shortly after submitting my bank account statement I received an email informing me my application was denied due to the fact my checking account was associated with a different loan account at Net Credit. This is true. My husband has an individual personal loan with Net Credit for which he is the sole obligor. Likewise, when I applied for my loan, I applied individually and was conditionally approved based on my own credit and income. The fact that my loan was denied simply because my husband and I share a joint checking account creates a condition of disparate impact in its purest form. 

I would ask Net Credit to review this discriminatory policy as any couple sharing a joint bank account will be denied when other couples who happen to have individual bank accounts will be approved.
Product: Student loan

I have a private student loan through Navient that I took out in 2007. This loan was taken at a time where I had no idea what I was really signing, nor did my parents. It started at just over 22,000 with an adjustable interest rate. The rate is currently 11.6 percent with a balance of XXXX. I have been making payments with the help of my cosigner through a rate reduction program because I am barely making monthly expenses. 

This loan has been rather difficult to deal with and none of the policies seem to be consistent from call to call. I would receive a bill for XXXX and the company would automatically pull XXXX, at another point the bill was XXXX and the company was pulling XXXX. Due to the confusion and lack of explanation in XXXX, I requested a copy of the note, to see the terms because I couldn't find it. The company was never able to produce it or explain what was happening. I just received a series of letters stating they need more time along with detailed payment history. 

I was up for a renewal of my low-income program and was refused. They said both my and my cosigner 's credit rating were too high so I wasn't at risk of default. They assured me my only option was refinancing through XXXX. I was rejected for being low income and realized then that Navient owns that company which would keep make it against their best interests to refinance and lower my interest rate. I contacted an attorney but he said I could maybe win but that would be tied up in litigation so long and with so much expense that he wouldn't take it nor did he think it was worth doing.
Product: Checking or savings account

My name is XXXX XXXX checking in about Complaint CFBP XXXX I forgot to also mention this issue to yall I need fixed I cant do wire transfer on the app when I try I get this error message saying The wire transfer service is temporary unavailable please call us at XXXX for assistance please fix this issue and fix the other issues and make them enable and working again and make new a new lastest new checking account and new latest saving account and waive the {$25.00} opening account deposit fee for both of them and I want to same account number and router number for the checking account and give me a new lastest debit card I got these ticket support escalate number online banking support tech give me or yall department give me it is XXXX and XXXX but they never call me back about the issue etc and online banking username is XXXX please contact me at XXXX and contact me at XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 A letter was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, & on XX/XX/2020 a letter was sent to XXXX, XXXX XXXX XXXX XXXX XXXX. Under the cares act it was stated that during the pandemic there is to be no negative reporting to the credit agencies including late fees. I recieved notices and alerts I am being reported for late payments and my score has been affected tremendously. I reached out to the reporting agencies and they refused to help me and ignored a statewide message that was put into law due to COVID -19. I am an XXXX XXXX for a school in XXXX XXXX and everyone know the school systems were shut down half the year last year and partially this year and online schooling is limited or not at all. In order to relieve the financial blow to americans it was said for the creditors and reporting agencies to cease collection activities as jobs were closed and americans suffering with no income due to no fault of ours. They didn't want Americans choosing between feeding their families or paying a bill. We are still in a pandemic and I have asked for forebearances and late payment removals. I suffer from XXXX and this is stressful. I have a daughter and a family I have to support and a mortgage and child care. I am reaching out for clarity because im put in the situation of choosing food over my finances. im not trying to avoid them I just need some help from my creditors until I can get through this crisis and request for them to remove the late payments and not tell the credit agencies to hurt my report and please the legislates that have been passed regarding the debt collections and negative reporting to peoples reports.
Product: Credit reporting or other personal consumer reports

The keep reporting an open account as closed XXXX XXXX is not a closed account and Ive sent proof of this several times.