23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello my name is XXXX XXXX, In XXXX, I opened an account for a XXXX  XXXX issued by XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. After making all payments on time, I fell behind on a few and had a balance of {$780.00} as of XX/XX/XXXX. XXXX  wanted a minimum payment of {$300.00} and I informed them I could not make that payment. 

I received a call from a women named XXXX and she was my case manager for XXXX, and she offered me a settlement offer of {$620.00} in two payments of {$310.00}, and i accepted the offer. She gave me a confirmation. number of XXXX, and i sent in two separate money orders for {$310.00} each. She said once she received both payments my account would be considered paid in full and closed. 

Fast forward to XX/XX/XXXX, XXXX I am sent a letter from a collection agency called XXXX XXXX claiming that I owe {$470.00} to XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX The letter says XXXX XXXX XXXX has placed the above referenced account with our office for collection. They have date of last payment as XX/XX/XXXX. As the letter stated, I had 30 days to dispute this claim and i did just that. 

I called XXXX XXXX and explained to them that I had accepted a settlement offer form XXXX  XXXX in XXXX and paid the {$620.00}, and I do not owe the {$470.00} they claim I owe. They would not take this message as the answer and kept on harassing me. On XX/XX/XXXX, I wrote XXXX XXXX a cease and desist from contacting me letter, and in the letter, I also wrote that if XXXX forwards or returns this supposed debit to another company they need to inform them to cease and desist any kind of contact with me as well. 

XXXX XXXX ignored my cease-and-desist letter by turning over this ridiculous and false claim to a collection agency called XXXX XXXX XXXX, XXXX, who continued to try and make me pay the {$470.00} that I do not owe. I called XXXX and informed them as well that I had settled this matter in XXXX and I do not owe any more money. XXXX XXXX XXXX eventually stopped contacting me until they turned me over to yet another collection agency. 

On XX/XX/XXXX, I received my first email from the collection agency XXXX XXXX XXXX XXXX A person named XXXX says they were hired to collect on my XXXX  XXXX Credit Card balance. This account was originated by XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the current creditor is XXXX XXXX XXXX. XXXX are still trying to collect the {$470.00} for the account ending in XXXX. 

Now I have been dealing with this issue that I was told was concluded in XXXX of XXXX, and I need your help in bringing this issue to a close. I do Not owe {$470.00}. 

Thank you for your time, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I want to show CFPB how despicable and unethical a lending company can be. I have initially filed a complaint against One Main Financial for a violation of my rights concerning a personal loan I borrowed. When I called the company to complain I was hung up on and told to look up an obscure term they called " the rule of XXXX. '' When I looked up the term, I found it's declared an illegal practice for loan companies to use. Moreover the credit agencies I called never heard of the term. There is also nothing in my paperwork that mentions such a term. This clearly indicates how this company has no scruples and violates the truth in lending laws set up by the government. In the follow up to my complaint, the company sent me a Compromise /Release agreement for me to sign. I thought the company was going to send a simple paragraph to reach an amicable agreement. Instead, I received an agreement that they expected me to sign giving up my rights, in particular that they are guilty of no wrongdoing and a clause that I would not be able to sue. That the company sent such an abhorrent and unethical letter ( which borders on the criminal ), clearly indicates that they are in fact very guilty of wrongdoing and other unethical practices. The letter is a clear violation of not only my consumer rights, but my constitutional rights as well. 
If the burden or proof is on me, I am glad for it, for their agreement is chock-full of violations. I moreover can honestly show that I have paid the principal balance I borrowed ( I have all my documentation ) and the CFPB can clearly see for themselves in their compromise letter the predatory company they are, and their unregenerate business practices, especially against XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XX/XX/XXXX : I have been receiving numerous notice from XXXX XXXX on case # XXXX regarding a debt with some collection agency - Velocity Investments LLC. 

The problem is that I do not know who the original creditor is/are and now the debt has been turned over to a another collection agency called XXXX XXXX XXXXXXXX XXXX I have tries to request documentation about the original creditor from XXXX and tried to work with them on settling, just to try to get rid of this debt, unsuccessfully. I am a part of a Legal Plan at work and requested they write a letter to XXXXXXXX XXXX XXXX, they refused the offer of {$1000.00} @ {$50.00}, per month. I came round XXXXXXXX XXXX XXXXXXXX ownership, while working on a XXXX 's collection case with them. No one has ever called or contacted me regarding this debt, but I now get text messages monthly regarding this case XXXX, nor was I ever summoned to appear in court or notified that this debt was turned over to collections. This appear to be a violation of my rights as a consumer! 

I have included a noticed received in the mail in XXXX from a Law Firm wanting to represent me, it is the only time I became aware of this debt. I have included one of three text messages received from the XXXX XXXX XXXX regarding a court date, but never served! Lastly, I have included the letter issued by my work legal firm, but the offer was rejected by XXXX XXXX XXXX. 

I have tried to resolved this debt, but this collection agency is greedy. I have settled many of my debts and working on a payment plan with a lot of creditors, that is the reason I have tried to settle with XXXX XXXX XXXX. I am retiring in the next year and trying to resolve as much debt as possible before that time. This case has dragged on for almost a year, without any resolution. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I made XXXX and experian aware of this and sent numerous of letters and documents as proof to the identity theft and accounts that were associated with the theft. 

These companies are still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen.

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Also 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting 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. 

And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK
Product: Payday loan, title loan, or personal loan

Hello I a got accepted for a loan through XXXX XXXX XXXX XXXXXXXX back in XXXX of XXXX. Since then I have never received anything in the mail regarding statements, due dates, late fees, loan agreements, etc. Unbeknownst to me it was reporting late from XX/XX/XXXX to XX/XX/XXXX. This is unacceptable as I was never informed I had a payment due and never received anything in the mail!
Product: Student loan

I have loans serviced by Navient and have had repeated issues with repayment processing and unjust penalties being assesssd because of such. I was offered a repayment plan to schedule payments out for 15 consecutive months to bring my account current after a financial hardship. I scheduled 15 payments based off of my expected pay schedule. These payments were scheduled later in the month but my expected payments were due at the beginning of the month. My account was constantly considered past due and was repeatedly assessed a late charge because of that. Aside from the late charges, after 11 payments, my payments ceased to be debited from my account. This caused my account to be past due. When I called to discuss this j was told that my payment schedule had expired even though I had the confirmation numbers to confirm it should have been processed for several more months. I was forced to sign up for 15 more consecutive payments with an " administrative forbearance '' being granted to process the past due amounts and the principal and interest were therefore capitalized and increased my payments by nearly 15 %. After 12 months of the next repayment schedule the payments ceased being debited again and I am now dealing with the repetitive calls. Even more so, every time I have attempted to discuss alternate repayment options, such as consolidation or income based repayment, I was told I had no other options. There is no willingness to work with customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I previously disputed this account stating : XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : I previously disputed this account stating : XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/year> These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Debt collection

I have been with Ameritech since XX/XX/2016. I was told that this payment would go towards a larger payment for so many years and then my loan would be forgiven. Today, after I told them that I received information that they were not doing that, they said, " We have always said we don't pay towards the loan, '' which is not how they sold me to be a part of this program. I have given them well close to 1500, and not one penny has went to my loans. I feel decieved. The supervisor told me not to terminate membership because I am almost done with some type of fees, that would guarantee me my loan forgiveness. I am a single mother struggling to make ends meet, and then to find out, all my money was given to a service that I have never used, XXXX. Throughout all three years, I have never used the service. At one point, I thought it was spam. He would not give me any refund, not even the payment they took today. I also can not contact XXXX, they will not answer. Please help me!
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to XXXX, Trans Union, and XXXX in about XXXX or XXXX of XXXX, disputing accounts that are not mine, yet they verified them as belonging to me. This is stressing me out. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Card and faulty charges that are not my charges and they keep adding them to my monthly charges when I have repeatedly responded to rebuttal letters from companies off the internet that I never ordered these products online. My email XXXX has been infiltrated with spam from companies saying I won a prize that will be delivered when I pay delivery charges after I answer their questionnaire. I spam these messages out and the email service - XXXX automatically  remembers them and places them in spam. My spam folder is inundated with up to XXXX spam messages everyday. I clear my spam folder twice a day. Now, Citi Card is going to report this to the credit bureaus against my credit because I refuse to pay faulty charges. This has been happening for better than XXXX XXXX. If I can get a site where I can download my last response to them and it will show the products that they are claiming I ordered, but did not, it will show you the company which is using my card and claiming I am making these purchases when I would not even know what these products are used for - may understand what they are used for but do not have the knowledge how to use them.
Product: Debt collection

amount paid in full. company still shows as owed. its never been past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name and account # XXXX Has violating my rights The review of 15 U.S.C 1681 section 602 A. Stated. I have the right to privacy.

Also section 15 U.S.C 1681 section 604 A. Section also states A consumer reporting agency can not furnish a accord without the written instructions.

Also 15 U.S.C 1681 section 15, stated The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

By the provision of the Fair credit reporting act. I demand that these items be investigated And removed from my repot immediately With that being said the above company is in violation of my rights in therefore should be deleted from my credit report immediately.
Product: Student loan

Navient took the payoff for XXXX of my loans, promised me that it would be applied to the loan to pay it off in its entirety, and did not apply it to the loan for payoff. My payment was applied across all of my remaining loans, resulting in additional interest and terrible runaround with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX A XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX PA ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Id theft issue and someone stole my information and have used them. 
I have an unauthorized hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a piece of different information from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please correct this damaging data immediately.

DEP
T OF EDUCATIONXXXX XXXX Balance : {$6500.00}, XXXX XXXX Balance : -XXXX XXXX XXXXXXXX Balance : {$7600.00}
Product: Credit reporting or other personal consumer reports

I purchased a credit report with XXXX XXXX XXXX on XX/XX/year>. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time ( just today I have a c charge off that I have never seen before, ), as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and W2 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX ' Accounts : XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear CFPB : On XX/XX/2019 I submitted my XX/XX/2019 mortgage payment through the Carrington Mortgage Services ( Carrington or Firm ) website. Carrington Mortgage credited the account and later reversed the payment due to a data entry error. At this point, the Firm could have made commercially reasonable attempts to contact me by phone, mail or email to notify me of the error. If the Firm had down so, this would have allowed me to become aware of the error and resubmit the payment with enough time prior to the end of the month. As a result, Carrington has reported my account with the credit bureau agencies as 30 days past due and my credit worthiness score has decreased materially and has impacted my ability to secure financing at reasonable rates. 
Carrington did not notify me of the error and on XX/XX/2019, when I was going to submit my XXXX payment that was the first instance when I became aware that there was an issue with the XXXX payment. At that point, I resubmitted the XXXX payment on XX/XX/2019 and on XX/XX/2019 submitted my XX/XX/2019 Payment to ensure my account remained current. 
I find out later when preparing to start the process to apply for a home equity line of credit that my credit score had decreased significantly to the point where I would no longer be able to be approved for the HELOC. I contacted Carrington Mortgage Services customer service as well as Carrington Mortgage Services Customer Advocacy on XX/XX/2019 and both representatives were unwilling to help me correct and update the credit reporting information. They both simpthazied with me but stated that their system limitations would not allow for the credit bureau related adjustment to be submitted. 
In closing, my intention was to make my mortgage payment timely as reflected by the XX/XX/2019 payment. Carrington acknowledged that my account was credited for the XXXX Payment and later reversed that payment due to the error. The purpose of credit bureau reporting should not be to punish consumers who made a good faith effort to make their payment timely and the Mortgage Servicer should not be allowed to damage consumer credit ratings because of their computer system limitations or general unwillingness to protect the consumer.

The Carrington Mortgage Services customer service representative and Customer Advocacy representative stated they sympathize with this situation but could not help because of how their computer systems were built. If a customer made a good faith effort to make their payment on time with enough time for Carrington to make contact with their customer to help them correct the error timely, then the consumer should not be penalized and damaged as a result. 
Many customers are probably going through this same or similar scenarios where a payment was submitted in good faith with commercially reasonable amount of time for the Firm to have the payment error corrected prior to month end and avoid negative credit reporting implications. 

Sincerely Yours, XXXX XXXX
Product: Student loan

I have filed multiple complaints with student aid. Gov. Talked to the servicer ( ECSI ) and the school ( XXXX ). I have now been paying on a loan for two over two years and no payments have reported to my credit report. I didnt notice until about a year later and Ive been dealing with this ever since then. it took me months to even get the serviced to look at the issue because they thought I was wrong and to get the school to and then when they did they research they found out that I was right they said that the issue would be fixed by now and that all missing payments, and the loan would be applied to my credit report, but that has not been done yet, which they guarantee that it would be. I have talked with multiple people at the school I have filed a complaint with thestudentaid gov website and there is still no solution to the problem at all I am still paying on a loan that has not reported to my credit not one time.