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

I was not late on these accounts and XXXX, XXXX, Equifax, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX   : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is that the personal information you are reporting is not mine so please look at the attached documents as it contains the full story of what happened to my credit report.
Product: Vehicle loan or lease

On XXXX XXXX I am filing a complaint with the Attorney General Office against Credit Acceptance Corp. After they repossession the car and sale the car my deficiency was {$9500.00} which after all the money Credit Acceptance collect on the car I do not own them a dime .The principal was {$13.00} the car sold for {$4600.00} plus {$6500.00} from GAP .They respond to the complaint about the car dealer I was filing in XXXX and close the case, but the did not answer the complaint about rip off and over charge and they add almost {$3000.00} on top the {$9500.00} please help me out .The only thing I ask for these people to take this thing out off my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a balance transfer from my Citibank Diamond Preferred card to my husbands XXXX XXXX XXXX for {$7700.00}. It was an online electronic transfer but Citi chose to mail a physical check to XXXX XXXX. 

This payment was intercepted in the mail and cashed by someone using a XXXX XXXX bank account. We explained to Citibank that the payment never arrived in my husbands account. They said the check was cashed and we were responsible. XXXX XXXX asked for a copy of the cleared check to see where it went to determine if a mistake was made on their end. It took them XXXX weeks to provide that information to me. 

XXXX XXXX investigated using the cleared check from XXXX XXXX and they have concluded that the check never reached the intended address. Furthermore the check was cashed by someone using a Capital once account. If the check had arrived at XXXX Communities clearing house the check would have had XXXX XXXX on the back and not XXXX XXXX. XXXX XXXX does not do business with XXXX XXXX. 

I have contacted a lawyer and am currently pursing a lawsuit against Citibank. Just because they sent a check in the mail doesn't mean it arrived at the payees address. That can and will be easily proven in court. 

This situation is the equivalent of someone telling you that they are putting money in your bank account and that you will owe them money once the check clears. The next day you check your account and the money you agreed to borrow is not there but Citibank says you still owe them money. It is Citibanks due diligence to protect their customers against fraud instead they are trying to illegally profit from it. 

I have filed criminal theft charges in XXXX XXXX court against the owner of the XXXX XXXX account. Case # XXXX. That should be Citibanks responsibility and not mine but since they refuse to do their job I am doing if for them. 

My credit rating has dropped from XXXX to XXXX based on fraudulent reports from Citibank. I I will be suing for damages.
Product: Debt collection

Comenity Bank has continued to contact members of my family and place of employment despite me telling them on multiple occasions to only call my cell phone number. I originally worked out a payment plan in XXXX after they contacted my brother. Months later, in approximately XXXX, on a different matter, they contacted my husband giving him great detail regarding the amounts owed as well as my employer despite me telling them I can not speak to them at work. Within the past couple of days, they have contact my husband no less than three times. I have contacted them since and reminded them that they were not to contact anyone else and extended the payment plan that I had originally worked out in XXXX.
Product: Student loan

I attended XXXX XXXX University XXXX XXXX XXXX, MO in the XX/XX/1990. I admittedly defaulted on my loan. My wages ended up being garnished for, I believe, 10 years. I received notification that my loan was completely paid off and my wages were no longer being garnished. A few months later, I received a letter stating that in fact my loan was not paid off and I still owed in excess of {$8000.00}. This information came from West Asset Management who has since been garnishing my wages ( again ) because I tired of their games. I was told that I could submit various financial forms for consideration of their rehabilitation program. After submitting various documents and being told they were n't good enough, I just quit and figured they could come after me. Which they did. I received another letter in the mail telling me they were now coming after my tax returns even though they 've been steadily taking out a percentage of my paycheck. I do n't understand how I can have paid off all the loan and interest, be told that I had fulfilled my obligation and then have them come after me again for garnishment and tax-returns. They are very opaque in their dealings and do n't make it easy for XXXX to understand just what one 's obligations are, especially as they apply to amounts assumed to be paid. Whether or not I think what they are doing is fair, is it legal? Can I be told that I have no further obligations only to have them turn around and tell me that I do? Is this an endless cycle of me paying off XXXX obligation only to be met another and another until my last day on Earth?
Product: Mortgage

Rushmore loan management and XXXX will not send me my original deed to luie documents. They are lying and playing games and I keep asking for them and I get nothing! XXXX has marked upy credit and they are in the wrong and trying to get money from me XXXX.
Product: Credit reporting

I mail a certified letter to Transunion 3 times asking to send me validation of proof of this public record chapter XXXX bankruptcy. Transunion has verified they received all three letters but transunion continues to send me a letter stating verified. I asked for the letter of verification be sent to me on courthouse letter head etc a sample letter is attached Transunion continues to put this matter in dispute why?? Transunion then turn around and send me a credit report stating verified that 's not what Im asking for Im asking for proof of validation and transunion been playing games Im done playing games this is a serious matter and needs to be taking seriously. Attached documents are Letter from XXXX XXXX, Certified letter receipt, transunion validation on credit report, etc Transunion has no proof and I want this deleted off my account this is my final step and being that I followed protocol my next step is to take them to smalls claims court Im done plating games. 

Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, unauthorized inquiries appeared on my credit report, and I dont understand why. My credit report, which I check regularly, suddenly has unexplained discrepancies. I even tried refreshing my browser, but the inquiries didnt disappear. I am incredibly frustrated and demand that the documents Ive submitted are checked immediately to resolve this and put my mind at ease permanently.
Product: Debt collection

have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX BANK, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This account was paid off XXXX XXXX XXXX  XXXX Credit Card {$0.00} Balance as ofXXXX Payment details Terms Revolving Payment status Paid, was past due 120 days Minimum monthly payment {$0.00}
Product: Vehicle loan or lease

I was told by an agent to pay {$330.00} in the month of XXXX because it was all I owed, and pay my monthly payment of {$650.00} XX/XX/XXXX, I was then harassed by repeated calls, over 27 calls in the month of XXXX by Regional Acceptance for just a late payment, after I asked them to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I fully paid on a settlement agreement ( all documents attached ) with Synchony Bank in XX/XX/XXXX. However, as of XX/XX/XXXX, credit bureaus, including XXXX, XXXX, and XXXX, are showing the status as " Collection Account ''. The status should be " Paid Charge Off ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021 while browsing cars on XXXX, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by Exeter Finance as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.
Product: Student loan

I pay a minimum amount of {$220.00} to XXXX XXXX XXXX XXXX on the XXXX of each month. After my payment is made, my balance is only reduced by {$1.00}. According a customer service rep, I am only paying the interest. On XX/XX/XXXX, I made an additional payment of {$100.00}, which reduced my balance by {$65.00}, bringing my balance down to {$46.00}, XXXX. Today, I checked my balance, which is now increased by {$81.00}, which inflated my balance to {$46000.00}. I believe Navient is robbing me. I am not even able to see how much interest is accrued each month. I've sent them an inquiry regarding this issue today and is awaiting their response.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  Balance {$73.00} XXXXXXXX XXXX XXXX  Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  Balance {$5800.00} XXXX XXXX XXXX  Balance {$170.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXX Balance {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion 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 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 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

ProCollect Inc. tried to collect a debt from me from XX/XX/2010. I never received a bill from the original person ( s ) and now 5 years later, this debt is on my Credit report. This is a medical bill from the physician that I never received. In Texas, this is past the statute of limitation and I have asked ProCollect to immediately remove this debt from my Credit Report. I have a daughter that will be heading to college shortly and this can ruin her financial aid if I cant apply for a loan to help her in school. I am asking for assistance in removing this debt from my credit report and to stop ProCollect from doing this to other people. This company needs investigating. Thanks
Product: Credit reporting

While checking my report I noticed that my ex-husband 's address appears. I have never lived at that address or have used it for any purpose. I would like it removed if possible. The address is XXXX XXXX XXXX XXXX Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Product: Credit card

Credit card by US Bank Kroger Mastercard was opened and items added up to {$20000.00}. The person closed the account and opened up multiple accounts even after I called and said these charges were fraudulent. US Bank said a second card was opened and had additional charges of {$20000.00}. So, in total per US Bank it was a total of {$40000.00} between the 2 cards. Also, My personal bank at XXXX XXXX XXXX was attacked and they attempted to get money from my personal checking account. The person was XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Cell number from XXXX XXXX, ( XXXX ) XXXX. 
I received some information on the charges and I was promised all the information and I signed a sheet saying the items were not charged by me. I received letters from XXXX and XXXX, XXXX XXXX XXXX, Ext XXXX and Ext XXXX. I talked to XXXX several times and promised all the information and I still have not received all the charge information I need additional information to file a police report so this can be complete on my credit reports and also to see if charges can be filed. This has been a long process and US Bank was helpful at first but I can not get all the information that is needed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I am contacting you because I have found some information that is inaccurate on my consumer credit report. Please remove this account XXXX XXXX XXXX, account number XXXX XXXXXXXX, for inaccuracies and false reporting because the payment histort reflects XXXX that XXXX is reporting 30 days late, and Transunion is reporting XXXX as 30 days late, and XXXX is reporting XXXX as on time. This is inaccurate reporting of the payment history with the account, XXXX XXXX XXXX. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Mortgage servicer Carrington Mortgages LLC claims that I mistyped my account number when attempting to make payment via their payment website on my mortgage for XX/XX/XXXX. I have requested in writing via certified mail that they show me evidence that such a mistype had occurred. I am currently awaiting for their investigations to complete to be advised. In the meantime I received a phone call stating that my account has now been " flagged '' and that I need to call them up ASAP. I am not in arrears. Hopefully they will post my XX/XX/XXXX mortgage payment that I submitted for mortgage payment XX/XX/XXXX. 

Prior to the above, they increased my escrow account cushion since they claim they require 60 days cushion whereas previous servicer XXXX XXXX XXXX did not, then they hard push for me to refinance with them. 

I would like to know what financial benefits or interests this organization has for being a mortgage servicer. As I feel that there is none whatsoever except for recovering late fees and foreclosing on individuals which have never been late prior to Carrington Mortgages LLC becoming their servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX  and account number XXXX Account name XXXX XXXX and account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my whiten instructions
Product: Debt collection

An apartment complex ( XXXX XXXX XXXX ) claimed that I had guaranteed a rental and I explained to them that I had n't. They had a fake form with a fake notary. I explained this to them and they said that even though the notary was n't real they still wanted me to pay them at least 50 % of the amount they said was owed. Naturally i refused. The next thing that occurred was a phone call from this IQ data stating that I owed money to them. I patiently explained that I did not owe any money, that there was n't anything legally ( contract ) saying I did and that I would appreciate it if they contacted XXXX XXXX XXXX. They then placed a fraudulent collections amount on my XXXX, XXXX accounts. I disputed the experian report that listed I Q data. The dispute came back today and it is still listed on my credit report. No legal documentation exists so i am curious as to how experian looked into my dispute and IQ Data provided nothing to support me owing any money. This certainly seems like a complete scam. How can experian leave it on my credit report without a judgement, or anything that is a legitimate contract? It seems like I am being forced to exert enormous amounts of energy and time because several large companies do not care about right and wrong. I also feel as though XXXX is complicit because they clearly did not do any research and did not have anything resembling any type of judgement or contract yet they left it on my credit report. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX XXXX XXXX account number # XXXX has violated my rights. 
XXXX ) XXXX  Account number # XXXX XXXX ) XXXX Account number # XXXX XXXX ) XXXX XXXX account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX  account number # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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

In accordance with the Fair Credit Reporting act XXXX Fed XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXXXXXX XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

Equitax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Student loan

They lied about the terms of the loan misrepresenting the loan I got. Will not give me information on different programs to lower the payments. Making me do forbearance when I could have did a different program. My XXXX year-old mother was cosigner and they be making her real upset Did not tell me this was a private loan Will not lower my payments
Product: Debt collection

Portfolio Recovery has contact me several times via mail to my domicile address and family members after I sent notice of Cease in Desist. They have used deceptive tactics to try to collect a debt from me while not having a Debt license in XXXX XXXX. They have try to circumvent having a license by sending Debt notices to family members that I have in XXXX XXXX XXXXXXXX, where Portfolio has a license. These actions have caused me great harm, a violation of my privacy and has ruined my personal / professional reputation. I sent a notice that they were not practicing with a debt license in XXXX XXXX and asked for confirmation, instead they chose to conspire, with their associates in XXXX XXXX XXXXXXXX and banking financial institutes to find accounts with the name XXXX XXXX ( the alleged to debtor ) to contact me, this is a violation of 18 USC 894, this is a crime. Below are the dates of events. 

XXXX Received notice via mail to domicile in XXXX XXXX of a alleged debt for XXXX XXXX And alert that debt was added to my credit report XXXX Sent a notice of dispute and Cease & Desist XXXX Collection was removed from report XXXX Received a text message from family member that I received a letter at their home address from Portfolio XXXX Sent Portfolio a 2nd request to Cease & Desist XXXX Reinserted Item to credit report XXXX Sent Portfolio a Final Warning