23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, an account from Milestone Credit Card ( XXXX XXXX XXXX ) was placed on my credit as a closed account. I was unaware of where this credit card had come from as I do not recall ever opening it. I never received any letters notifying me of this account or that it was scheduled to be closed. Upon realizing that this account existed nearly 5 years later, I contacted Milestone/Bank of Missouri to inquire about the account. I was told that it had been charged off and sold to XXXX XXXX. After calling XXXX XXXX I was told that they had sold the debt to XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( See attachments ) stating that if I fulfilled a settlement for the debt, they would delete all records and tradelines of the debt from each credit bureau. I fulfilled the settlement with XXXX on XX/XX/XXXX, and would like for this debt to be deleted. 

This debt has caused an immense amount of undue stress to my livelihood. In XX/XX/XXXX I was hoping to acquire a job with XXXX XXXX to continue to grow in my career field, however, the blemish on my credit report caused me to be unqualified for my dream job. Additionally, my now fiance proposed on XXXXXXXX XXXX XXXX and as we begin to look for our dream home, I am afraid to apply for a mortgage for fear that we will be turned down or offered unsatisfactory terms due to this debt. I've done my best to correct this error by reaching out to the bureaus in dispute as well as the creditor but have received no results. It simply is not fair that I paid the settlement for this debt and the contract agreement is not being met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters via fax and certified mail to have my credit report corrected since late XX/XX/XXXX. I have in return been told these acounts have been verified. I have asked for all supporting documentation that I lawfully am given this right under the Fair Credit Reporting Act 15 USA 1681g. As well as instructed them under said act to not return with " these accounts have been verified '', they have done just that. These accounts are not accurate and are very detrimental to my credit and livelihood asyou credit is a reflection of my character, reputation and credit worthiness. I have also instructed them if they can not provide me with the documentation that they have retained in their files as of that date that they are to delete such account as required under section 611 ( a ) ( 5 ) ( A ) ( i ). Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.
Product: Student loan

This issue remains UN-resolved. MOHELA has INCORRECT information on my student loans that is clearly documented in my XXXX records. They have more than 8 payments in my " ineligible '' payment history listed as deferment/forbearance which is inaccurate. I have printed documents to support my claim of income based repayment program back in XXXX. Mohela 's FALSE/incorrect information has resulted in DELAY of my student loan forgiveness and i should not have been paying {$2500.00} since the repayment started. PLEASE HELP! Please help!
Product: Debt collection

CREDIT SYSTEM INTL IN is claiming that I owe them {$130.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Mortgage

My loan was transferred from XXXX to Gregory Funding on XX/XX/2021. I was concerned about this transfer because I was in a Covid-related Forbearance program that I needed to extend after XX/XX/XXXX, so I tried to reach Gregory Funding about getting this extension. I finally reached a representative on XX/XX/XXXX who told me she would begin the process to extend the forbearance, and she asked me a lot of questions about my ongoing Covid-related hardship. Then I received a letter from Gregory Funding dated XX/XX/2021, stating I had asked for a hardship extension, and giving me instructions on how to complete that request. I completed the hardship questionnaire that was included with the letter, as well as a hardship statement. My lawyer submitted the packet via email as instructed in the letter from Gregory Funding on XX/XX/2021. 

Since that submission, I have not been able to reach Gregory Funding. Every time I call, I am asked to wait on hold anywhere from 1 hour 25 minutes to 2 hours 50 minutes before I can speak to a representative. I havent gotten any correspondence from Gregory Funding about my hardship and forbearance application. I have instead gotten bills and statements from them telling me that I am behind and they are continuing to add late charges and fees to my account. I am very frustrated about this. I feel helpless.
Product: Debt collection

XXXX payment was missed on its autodraft date and a retry payment was made before the 15 day grace period expired. Two bank statements and the trace number to prove this have been provided. I have spoken with possibly 20 people since XXXX all of whom have said they would escalate the issue, who said they see the problem because there was a change over in systems and my XXXX payment did not post appropriately to my account. The result has been constant rollover and over 4 months of phone calls. While the front line account reps have tried to help, each and every attempt at an escalation to a supervisor has failed.
Product: Credit reporting

As of XXXX XXXX XXXX XXXX " auto loan " which I had an excellent payment history on my auto loan, indicated to me that Equifax should start reporting my good standing account. 
As of today, XXXX 2016 Equifax does not show my XXXX XXXX account account status on my Equifax credit report.
Product: Money transfer, virtual currency, or money service

In XXXX of this year, my bank account was hacked into and two wire transfers were completed. The first was for {$12000.00} and the second was for {$13000.00}. I dont even know how to do a wire transfer. I have the alleged first and last names of the recipients as well as the bank where the money was sent. You can find it at the end of the letter..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX. And now we are in the month of XX/XX/XXXX, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX - Collection
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report that resulted from a recent data breach compromising my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts from my credit report. 
XXXX Accounts XXXX. XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Amount : {$690.00} XXXX. XXXX XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Amount : {$0.00} XXXX. XXXX XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

On XX/XX/XXXX, I had received XXXX XXXX payments for {$200.00}, {$200.00}, {$500.00} from 2 associates of a coworker which I had later sent the money through XXXX to XXXX different accounts, XXXX of them {$500.00} and XXXX for {$300.00} the same day he needed me to because he does not have an account and I trusted him because he is a coworker. The very next day on XX/XX/year> my funds are frozen and I can not make any transactions I call Bank of America and they wouldnt give me info besides they chosen to not do business with me. I have banked with them for 14 years and have never had a problem like this now all my funds are locked in an account thats closing
Product: Credit card or prepaid card

This week, my child who is XXXX received a debit/credit card in the mail. It claims " We received your name and address because you have previously been our customer. This card was not sent to you in response to an application. No credit report has been or will be obtained in connection with this prepaid card offer. '' It is from Brinks Money/Netspend and funded by XXXX XXXX XXXX  XXXX. It has a XXXX XXXX  account number and routing number associated with the card. I attempted to contact multiple numbers for Brinks Money and they are all automated with no way to contact a real person. I did reach out to XXXX XXXX and spoke with someone there and they said I would have to contact Brinks and I explained that I couldn't get ahold of anyone there. She asked if I expected a Child Tax Credit from the IRS and said it is possible this card came from the IRS. I don't know who to contact about my child receiving a debit card in the mail, some middle schoolers/teens would open the mail and activate the card and start using it without any parental consent. This company should NOT be sending prepaid debit cards to children under XXXX unless the parent has requested it, which I did not.
Product: Credit reporting or other personal consumer reports

This Company / Credit Reporting Agency refuses to remove inaccurate, fraudulent accounts and information from my federally protected consumer report. The Credit Reporting Agency contiues to " Verify '' the accounts with the Fraudulent Companies that I have disputed. Further, They have failed to " VALIDATE '' any of the accounts listed in the complaint. 

THIS IS FRAUD and The Credit Agency is NOT IN COMPLIANCE! 
These accounts have been disputed multiple times over several years! 

I DEMAND THAT THESE ITEMS BE REMOVED IMMEDIATELY! 

Proof is in the amount of complaints and the constant updating of the status to " Verified '' NOT " VALIDATED '' REMOVE THE FOLLING ACCOUNTS NOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND THE ITEMS BE REMOVED IMMEDIATELY! NOT 30 DAYS! NOW!!!
Product: Debt collection

comenity vacation club credit imposed itself as a creditor without my knowledge nor consent.as part of a timeshare agreement without documentation collection phone calls have attempted everyday at all hours of the day even after giving notice for such activties to stop.COMENITY BANK VACATION CLUB  XXXX phone number XXXX, XXXX XXXX are other numbers used by comenity vacation club to harass without mercy.
Product: Student loan

Subject : Discharge of Debt Obligation and Request for Accounting XXXX Dear [ Debt Collection/Billing Department I have made 3 other attempts to settle this matter with ED Financials. I am writing to address the matter of the outstanding debt associated with my several accounts which I have been informed is owed to their company. Also, I am addressing the fact that ED Financials Services does not have a license to collect any debts in the state of Georgia. I must express my deep concern regarding the lack of a signed tri-lateral contract between myself, their corporation, and the relevant party mentioned in the contract, which is the Department of Education. 

Upon thorough review of my records and the applicable laws, I have determined that the absence of a valid, signed tri-lateral contract raises significant questions about the enforceability and legitimacy of the debt. Under the Uniform Commercial Code ( UCC ) and relevant Code of Federal Regulations ( CFR ), it is crucial for parties involved in a debt obligation to provide clear evidence of the existence and validity of a contract. 

Specifically, according to UCC Section 3-104, a negotiable instrument, such as the alleged debt in question, must meet certain requirements, including being a writing that contains an unconditional promise or order to pay a fixed amount of money. Without a valid, signed tri-lateral contract, it is difficult to establish the necessary unconditional promise or order required for the debt to be considered a negotiable instrument. 

Furthermore, under the CFR, specifically Title 12, Section 1026.17, which implements the Truth in Lending Act ( TILA ), creditors are required to provide consumers with written agreements that disclose the terms of the credit extended. The absence of a signed tri-lateral contract raises concerns about compliance with these regulations and the adequacy of the disclosure of terms related to the alleged debt. 

Based on these findings, I hereby request that they consider my debt obligation discharged and take immediate action to zero out all accounting related to the aforementioned debt. I expect that this discharge of debt will include, but not be limited to, the removal of any negative entries from my credit report and the cessation of any further collection efforts. This lender has no legal authority to collect and debt in the state of Georgia I kindly request that they provide written confirmation within 5 days from the date of this letter, acknowledging the discharge of the debt and the XXXX out of all accounting related to the debt. Please ensure that this confirmation explicitly states the removal of any negative credit reporting and the cessation of all collection activities. 

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

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX : {$0.00} ; 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
Product: Debt collection

Ive tried contacting Exeter and they told me to submit my documents and I did numerous of time. I truly believe Exeter has no respect for the CFPB they disregard my emails and my faxes, every time I call they tell me that they did not receive it, so maybe I have to fax it again, I told the Rep that I faxed it numerous of times, what's the hold up. she then put me on hold and came back 6 minutes later, stating they received my Id but nothing else. Therefore she said call back and see if anything came in I called back two hours later I got a different representative I stated my case, and she put me on hold for about 9 minutes and came back and said that I did not have any faxes at all, so I said the other rep told me that they got my Id, now you're telling me that you don't see nothing, and she said no try back tomorrow.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I would like for someone to review my modification documents for two reasons. 1. I do not believe I received a fair mortgage modification due to the amounts being deferred and calculated and 2. They are requesting amounts outside of my modification agreement. 

My loan servicer has recently changed from XXXX XXXX XXXX to Shellpoint Mortgage and {$2500.00} is now appearing on my monthly statement as being past due. When I asked what is this amount, I am being told by the servicer, it is advanced corporate fees. 

I have enclosed a copy of my modification agreement and I do not see that amount in it. I have a previous complaint you can refer to for additional information. My complaint number is # XXXX.
Product: Mortgage

The mortgage company puts their insurance in place even though I have coverage in place. Second year in a row, after going thru their portal they never respond and just place coverage. It is a supplemental policy which in place prior to XX/XX/2022. Yet they still put their own coverage in place via the escrow and will not allow opt out of escrow. I pay for 3 separate buildings on one policy, they fail to even consider it. The charged me {$240.00} this year and {$660.00} last year and would not refund the amount even though I have the coverage.
Product: Debt collection

This debt has been satisfied but as of XX/XX/2019 due to employee mishandling this file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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 without my written instructions.

The following Account ( s ) : Debt Collector : XXXX : Collection Amount : {$2000.00} -Account. # XXXX XXXXDebt Collector : XXXX  XXXX XXXXcollection Amount {$2700.00} -Account # XXXX -Debt collector XXXX XXXX XXXX XXXX XXXX  -collection amount {$2600.00}
Product: Debt collection

I have no idea we're this debt came from every time I call AAA collections they're not helpful with his dad her how I can resolve it without paying so much money that I don't have. I have XXXX children that I got to take care of can provide more info if needed. At the time I think I left my husband who was very abusive and I believe this debt is expired
Product: Credit reporting, credit repair services, or other personal consumer reports

The are several inquires on my credit report that does not belong to me. Wrote letters to all the entities that requested my credit illegally without my written consent and permissible purpose on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Advised them to provide evidence of permissle purpose and my signed written consent to me. They never responded to my three request. The inquiries in question are : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX my XXXXXXXX XXXXXXXX XXXX that I purchased less than a year prior to date, had to get the catalytic converter replaced. I went to my mechanics to get the services done. When he told me the new auto repair finance company they were using I had no choice but to go with it. Im a single mom with a XXXX and only work XXXX a week. Ive been consistent with paying my biweekly payments of {$90.00}. While making these payments I was waiting for a check from XXXX ( where I purchased my vehicle ) to help compensate half the cost to repair my car. I finally get the check ( XX/XX/XXXX ) and I got on the loan website and it says I owe {$1500.00} The total cost to repair my car was {$1400.00}. And Ive already paid them about {$540.00} since getting the repairs done. I look at the interest rate and its a rate of 148.98 %.. I called the company to see if there was anything they could do to help me and I basically got a big XXXX from them and told me that they make sure theyre very clear about all the terms to the loan and that included sharing the interest rate. Theres absolutely NO way I will EVER be able to get this loan paid off, and I felt like I had no choice but to finance with them.
Product: Vehicle loan or lease

I paid loan online thinking it was my last payment. I selected monthly payment amount. I did not realize there was still a {$96.00} balance left on my account. I was not notified by email or phone call, I received a letter over a month later stating that it appears I intended to pay off my loan but there was still a {$96.00} balance. This caused Santander to report me late to the credit bureas. I paid well over {$38000.00} on this loan most of that being interest. I had a good payment history up until the very last payment that i thought I was paying the loan in full. I did not realize there was still a {$96.00} balance. If they had contacted me to let me know other than through the REGULAR MAIL over a month later I would have paid it IMMEDIATELY so it would not harm my credit report. Because, my credit is so important to me so that I can take care of my family with low interest rates, but this company is hurting me and my family gravely.
Product: Debt collection

On XX/XX/2023 I received a letter in the mail from TRS recovery services , INC . The letter stated that I owed a debt of {$52.00} to XXXX XXXX. 

TRS Recovery Services , INC . 
XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX The following website was provided in the letter : www.trsrecoveryservices.com I have not received any notification from XXXX  that I owe this debt, and my account with XXXX showed all was paid up. I reached out to XXXX and they confirmed I do not owe a debt. 

I went to the website XXXX provided so that I could request proof of this debt, and in order to submit anything to them, they require you to provide your bank account information, full social security number, and Drivers License. This tipped me off immediately that this is a scam. The fields do not show as required but if you do not populate them you can not submit your dispute. 

This company has multiple reports on the XXXX  of a similar scam for XXXX XXXX. The website should be shut down and this company should be penalized for the damages. It should be shut down.