23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX, I decided to pull my credit report. I found that there was a debt listed from National Credit Systems in the amount of {$5200.00}. I disputed this with the credit bureaus and asked that they send me supporting documents as to why this debt is listed on my credit report. They responded by saying that the debt has been verified with no actual verification documents. I was simply confused because this is not my debt and I was not sure what to do. I finally looked at my credit report again and noticed it was from XXXX XXXX XXXX XXXX and shows that the account was opened on XXXX/XXXX/XXXX. I had just moved out of a property XXXX/XXXX/XXXX but this lease was under XXXX XXXX XXXX and NOT XXXX XXXX XXXX XXXX. I moved out of XXXX XXXX XXXX on XXXX/XXXX/XXXX and signed a lease for my current residence on XXXX/XXXX/XXXX. I moved out slowly and made sure the residence was in top shape before vacating. I have never broken a lease nor have I damaged any properties. I am not sure why XXXX XXXX XXXX XXXX and National Credit systems has this massive debt listed on my credit report but I would like it removed as soon as possible. I have attached for your convenience the notice to vacate receipt that was sent to me from XXXX XXXX XXXX, my lease renewal for my current residence showing when my lease first started, and a page of my credit report that shows this collection from the collection agency National Credit System and the original creditor XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX  ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! 

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

Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my Experian and XXXX, XXXX reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of Inquires, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for XXXX, XXXX and Experian by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CREDIT, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies can not furnish an account without my written instructions.
Product: Student loan

I am currently in an income-based repayment plan for my federal student loans. These loans are being serviced under FedLoan Servicin g ( myfedloan.org ) in accordance with the Public Service Loan Forgiveness program.      I have asked  FedLoan to confirm the number of qualifying payments toward the PSLF program multiple times through their online portal mailbox ( 3 times in the past 3 months ),  but they have not responded to me.
Product: Mortgage

I need my mortgage modified. I have tried effortlessly to provide Rushmore Loan Services with the documents that were requested only to continue to be told that a complete package was not submitted. I would ask them what documents they needed and I faxed them accordingly. Whenever I would call to follow-up with my Account Manager, XXXX XXXX, it would take her XXXX days for her to return my phone calls. This has been my entire experience with her. On XXXX XXXX, 2015 I received a letter from a Foreclosure Attorney indicating that my home was scheduled to be sold on XXXX XXXX, 2015. I was so confused, because I was under the assumption that all of the documents that I faxed had been received only to find out once again that the same document that they requested previously was not received and this caused my loan modification case to be closed and they had moved forward with a sale date. I explain to XXXX XXXX that the last letter that I received from her indicated that I had XXXX days from the date of the letter to submit the document and that 's when she told me that I needed to have the information in XXXX days prior to the sale date. I feel that this decision was very harsh considering the time and the continued effort that I put in to make sure that I stayed in compliance and following all of the instructions that were given to me to be considered for a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My balance was paid to {$0.00}. I contacted each individual credit bureau ( transunion, XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX Account Number : XXXX - Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My mortgage was sold from XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX has selected Fifth Third Bank as my mortgage servicer. While Fifth Third has sent me a letter encouraging me to set up an online account, none of my information appears in their online system. When I called the initial time ( with extremely long wait times ), I was told it would be populated by XX/XX/XXXX. Upon calling this morning -- after my information had not been populated to the system -- the agent was unable to find my information, I was encouraged to go into a branch ( there are none within several hundred miles ) and I was told that if I wanted more assistance I would have to be put back into the queue. 

Frankly this level of incompetence is embarrassing to the federal government XXXX XXXX XXXX XXXX, and I don't think is indicative of typical mortgage servicers.
Product: Credit reporting

I am stationed overseas and I 'm trying to obtain my annual credit report. The site is saying I ca n't get it while stationed overseas. This is when & why I need it the most. How can one serve their country but be denied their inalienable rights? Then one company sends me a letter telling me to put PII in it in order to obtain my report. If that 's not the dumbest thing ever, I do n't know what is. Put my name, social, copy of personal documents in the mail. Really?
Product: Mortgage

Our mortgage loan has been perpetually 2 months behind for a year while being serviced by XXXX. While obviously not ideal, we have been paying a full month each month. We received notice from XXXX last month that our mortgage has been sold to Carrington mortgage services and this is where our trouble started. It is now XXXX XXXX with no payment info, no mortgage number, no communications from Carrington. So we called to make our payment and the rep refused to take our payment if we didnt pay at least 2 months immediately. Refused to connect us with a supervisor claiming his supervisor was too busy so my husband left a message with no reply. I felt this had to be illegal and so I looked up this company. They are apprently scam artists and I am unclear why they are allowed to continue doing business in America. 
I am not willing to allow some scam company to foreclose on my home because they thought they bought a mortgage ready to be foreclosed on. 
The rep claims our mortgage states that we are required to always be current because it is an FHA loan, which is the most ridiculous statement ever. Of course you are supposed to pay on time but when you lose the only household income and have no income for nearly 2 months, catching up is newrly impossible. XXXX was understanding and happy to collect the month payment we were able to make every month. 
Our loan doesnt qualify for modification as it is only 2 years old. So all the financial hardship options are unavailable to us. 
I am unclear why this company would be set on foreclosing a home where the owners are trying to pay them and why they would be forcing a home into foreclosure when they literally just purchased it. If they dont want to service the loan they never should have bought it. 
Looking up their record, it obvious there has been no consumer protection agency taking action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. this account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX, 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 this item 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 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

I have a XXXX credit card. With a credit limit of {$25000.00}. Equifax is not showing this account on my credit report.
Product: Payday loan, title loan, or personal loan

Net Credit sends information out in the mail advertising loan consolidation and such. They offered {$9500.00} and ACH. On the initial conversation they set up a ACH. And it seemed fine. Just recently I was going over my credit report and noticed my principal has hardly gone down wit {$600.00} per month payments. 

I contacted the company and they sent me a contract for 64 % interest rates amortized for 60 months. With a total payout to them for {$32000.00}. I would have never agreed to this! There are plenty of normal products out there with reasonable rates. This is crazy! 

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

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$140.00} XXXX XX/XX/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. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Student loan

A XXXX XXXX unsubsidized Stafford loan was initiated on XX/XX/XXXX for {$5500.00} to help pay for a year of college at the XXXX XXXX XXXX XXXX XXXX. It was deferred once I started beauty school at XXXX XXXX XXXX. When payments started up again the interest had accrued and the loan had increased to over {$7500.00}. My parents helped me pay it off at that time because we did n't want the amount to increase and pay more interest, so it was paid off XX/XX/XXXX. Last year I realized my other loan payments were messed up after paying regularly since I graduated from XXXX. Navient had reinitiated the old Stafford loan that had been paid off for over two years and started using some of the payment money for the other loans to go toward this loan that had already been paid off. They then started harassing me daily with calls that I owed this money and it was up to me to prove that I had paid the loan off XX/XX/XXXX because they did n't have record of it. I worked with my parents to find the proof and submitted it to Navient XX/XX/XXXX, and they said I would hear back within two weeks regarding their findings. I have not heard anything from Navient regarding this situation. They did remove the delinquent status from my account which should have never happened. This has been extremely stressful and time consuming -- I have spent hours on the phone and working with my parents to try to solve this. I know I saw on the XXXX XXXX website that this loan had been paid off and then when Navient took over the loan came up as unpaid and I could no longer see the same history online anymore. I do n't understand how this could have happened and I am anxious to get it worked out because I 'm still paying other loans and the payments have been messed up since last year when this all started.
Product: Checking or savings account

Robinhood will not issue a full refund of my remaining balance of {$3000.00} by check as was stated by their support email notification. Also signed a Check request form. No response from Robinhood support. Dates no response for refund XX/XX/2024 to XX/XX/2024
Product: Debt collection

Voss & Klein are reporting a collection account on my credit report, that has not been validated. I have never received any letter which gives me XXXX days to dispute the validity of their claim. Under The Fair Debt Collection Practices Act, I 'm suppose to receive a letter from Voss & Klein that gives me the right to dispute this claim before placing the item on my credit report. Voss & Klein says the original creditor is XXXX, I contacted the original creditor and requested a copy of a contract, or credit application with my signature, which I never received. I only received a copy of a billing statement with an address I never lived, and XXXX phone numbers that do not belong to me.
Product: Credit reporting or other personal consumer reports

My XXXX outstanding balance was 0, but the 2 credit agencies, Equifax XXXX XXXX failed to update my credit despite of numerous disputes. I contacted the XXXX  but they have no more record regarding my student loan balance because I was given forgiveness on my loan from XXXX.
Product: Debt collection

Bureau Name : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original Lender : XXXX Date Reported XX/XX/2018 Age of Account 2 year 4 months Balance {$340.00} I have never had any utility, cable or internet source of any kind with XXXX in the past, I currently am an authorized user on my husbands XXXX account in which is current and up to date, I am not sure what this account is, but Southwest Credit Systems refuses to work with me on removing this from my credit.
Product: Debt collection

I sent in a police report in 2020 with all the accounts like XXXX and XXXX XXXX  that were not mine, now they are showing back up for no reason and my score has bottomed out again. I also had multiple inquiries that are not mine and need to be cleared off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to XX/XX/XXXX credit bureau on XXXX XXXX and it was delivered to XX/XX/XXXXon XX/XX/2020. XX/XX/XXXX stated that they didnt receive my dispute letter for Bank of America and it has been over 30 days.
Product: Credit reporting or other personal consumer reports

The following account listed on my identity theft report which is attached are all fraudulent and need to be removed from my Transunion personal credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Name : XXXX XXXXXXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Product: Credit card

This is my XXXX time submitting this complaint:1st submission for dispute : Merchant : XXXXDispute : I requested for Capital One to investigate the merchant and their breach of service. 
- I supplied all supporting document that is clear and concise to the merchants scam - Documents included in the submission that supported that there was " No Service '' provided. Furthermore, it is against the law for a merchant to hold onto a retainer fee for liquidated damages XXXX ) Result:1. Capital One validates in their decision the illegal use of signature ( forgery ). By upholding this ruling Capital One fails to comply with the Fraud Liability Policy mandated by the FTC2. Capitol One acknowledges and validates the use of fictitious documents used to support the merchants case. This also fails to comply Consumer Protection Laws that protect me from merchant scammers such as XXXX " Who Falsely Promise to Provide Services '' - FTC Statue
Product: Debt collection

I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XX/XX/XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT Toyota. XX/XX/XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from Toyota ) I wrote a letter disputing the disposition fee charge of {$350.00}.XX/XX/XXXX To  Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XX/XX/XXXX for a settlement at a less amount from Toyota {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XX/XX/XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from Toyota. I sent this letter to both of them. Here it is XX/XX/XXXX and I received another letter from XXXX XXXX XXXX that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each merchant to have and account deletion letter to each reporting agency, I have done this over the phone and I writing and I have gotten no help and the run around after following all steps given by each credit bureau. 

Auto sales pre-qualification became hard inquiries