23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX State Home Mortgage processed a total payoff amount for my loan, bringing the principal amount to {$0.00} and leaving a positive escrow balance of {$800.00}. On XXXX they processed a payment out of escrow of {$120.00} for a mortgage insurance premium, with XXXX principal balance on the loan. As off XXXX they have not processed my request to refund the balance of my prepaid escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I C SYSTEMS added a derogatory mark on my credit report per XXXX and XXXX but not XXXX Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor ( XXXX ) did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, I C SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Account Number XXXX Open Date XX/XX/XXXX Balance : {$4000.00} Charge off XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$1000.00} Charge off XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge off XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$4400.00} Collection XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Charge Off XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX Date filed XX/XX/XXXX Reference XXXX XXXXXXXX Bankruptcy Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit for almost a year and have been sending disputes to XXXX, XXXX, and transunion since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have XXXX delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have XXXX, XXXX, and transunion remove the following incorrect accounts from my credit reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

XXXX reporting fraudulent accounts as open and closed on my credit report
Product: Student loan

After paying {$17000.00} of a {$30000.00} student loan debt my life fell into extreme financial hardship. When I called the loan company, prior to default, explained the situation, then asked for temporary hardship deferment or any other programs that would keep me out of arrears I was told my only options were to pay or default. With no other option, I went into default. After filing bankruptcy the student loan could not be dismissed as ALL OTHER LOANS CAN. I was then suited for {$40000.00} on a {$30000.00} debt in which I had already paid {$17000.00}. I filed a complaint with the Consumer Financial Protection Bureau ( case # XXXX ). The collections agency claimed they would take {$16000.00} and directed me to speak with their attorney. The attorney hired by the collections agency who bought the debt from a company that was NOT the issuer of the loan said I have to fill out a full financial disclosure before they can consider or discuss a settlement. I sent them a disclosure. I did NOT include the name of my bank or the company I work for as they requested. The attorney said I HAVE TO disclose the name of my bank and employer or they CAN NOT consider any settlement due to incomplete information. With ALL the numbers disclosed and the attorney NOT requesting proof of numbers but names of institutions, this does NOT seem Legitimate. This is an attorney ( XXXX XXXX ) trying to bully an individual for easy garnishment information. I have not obtain council so far because it would reduce the amount of money I had to settle the debt with. I have limited resources, deportation was ordered to my husband, I may have to leave the country soon ( proof of that WAS sent to the attorney ) and I am looking of a settlement that I actually have the money to pay at once to settle the matter. Offering the entire balance of my checking account, {$8500.00} ( statement balance ) they are bullying me and refusing to talk. I have provided ample information and disclosures.
Product: Bank account or service

Hello, I opened up a virtual wallet checking account with PNC on XX/XX/XXXX I believe. I opened it up with a promo code attached to it that was " Get {$300.00} if a {$5000.00} direct deposit was made and XXXX debit card purchases were done. '' I fulfilled those requirements. I chatted with a PNC customer service representative named " XXXX '' on XX/XX/XXXX about it. I will be attaching a screenshot of the conversation. However, he acknowledges that it is active for my account. I waited the required 60 days and my bonus never posted to my account. I chatted online on XX/XX/XXXX with a " XXXX '' ( screenshot is attached ). She says that I do not have a virtual wallet account anymore and my savings account is closed out. I was confused and never asked or was informed by PNC that my account was being changed like this. XXXX says I am not eligible for the bonus now. It seems like PNC is trying to avoid paying out the bonus. I
Product: Credit reporting, credit repair services, or other personal consumer reports

LANIER COLLECTION AG {$64.00}, {$380.00} & {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... No contracts existaccounts were settled with original creditor, insurance provider has confirmed, and ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Student loan

I've been a student with XXXX for a few years as I was taking classes while serving in the military. On XX/XX/XXXX, I stopped taking classes because I was separating from the military and transferring from XXXX University  to XXXX   XXXX University. In XX/XX/XXXX, XXXX University  placed a hold on my student account. I am unable to access my official transcripts and other documentation. I have made several attempts in contacting my advisers and other branches of XXXX over the course of several months. I finally spoke to a man named XXXX XXXX through email about my account. He stated I ONLY needed to update my financial information about how I will be taking future courses with XXXX. Which made no sense because I did not want to continue my education at XXXX, however, I sent the form in, to update my financial information. After I sent the form, XXXX XXXX XXXX stopped replying to my emails. I then made several calls to my adviser and made sent several emails ; none were replied to. On XX/XX/XXXX, I got hold of the financial office and spoke to a gentleman. He stated the holds on my account are because I owe XXXX University $ 2000+. The balance includes two of my latest student loans through Navient. He states that because I withdrew from XXXX University after my class in XX/XX/XXXX, XXXX had to refund money back to FAFSA for the classes I did not take after my last class. He states that because XXXX had to refund the money back to XXXX, I owed XXXX that balance. I told him it doesn't make sense that I owe money back to XXXX for classes I did not take. He then replied and stated that the money I owe XXXX is because of the loans I took out from Navient. This would mean I now owe student loans to XXXX AND Navient for the same loan. After arguing my case, the gentleman stated he was just going to email me a breakdown of what and why I owe XXXX $ 2000+. however, I have yet to receive this email. It doesn't make sense. The attachment is me speaking to XXXX XXXX through email.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan is currently backed by XXXX XXXX, owned by XXXX XXXX and serviced by Dovenmuehle for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the CARES act. 

To summarize my experience, I have called in to both the Customer Service and Loss Mitigation departments scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the Deferral in XXXX, but it did not process until this month, XX/XX/XXXX. 

I was relieved that the Deferral had finally processed, but then saw that XXXXDovenmuehle had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan. 

What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX/Dovenmuehle are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of XXXX.
Product: Mortgage

They incorrectly applied 2 payments to curtailment instead of the current payment that was due that was also noted on the check. This resulted in the bank saying we had a later payment even though we sent in the exact number of payments that were due. 

I have called the bank several times, sent a letter and went to the bank branch to request that payments get applied correctly .Over the phone we were told it was fixed only to get a letter the next month saying it was not and in person we were told that they could not change the payments that were applied wrong and the only way to fix this was to send in the missing payment so it did not go to collections. They keep assessing late fees and sending in negative credit reporting even though we have informed them off the issues. I finally was able to get enough money to send the extra payment but would like to have it refunded along with the late fees and have our loan interest/outstanding balance recalculated after the payments are corrected so we don't have to pay anything extra for the mistake they made and refuse to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I did not approve this show me proof I already wrote a letter its been over 45 days no response Did not follow the Fair Credit ACT
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 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 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 th
at the information is inaccurate.
Product: Debt collection

Ingenuity RM had contacted me via mail regarding rent they claim was unpaid for over {$8000.00}. We rented from the company they represent almost XXXX  years ago and when we left we were not told of any owed amounts and paid rent monthly. We requested all the information regarding the debt according to the FDCPA. There was no response from the debt collection company for 30 days thus we sent a letter after that time frame that they did no provide us the information requested and according to the FDCPA, they could no longer request we pay the amount in question. There has been no communication regarding our request but they have now hired an attorney and are trying to take us to court for civil action.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 


EQUIFAX XXXX XXXX XXXX UNAUTHORIZED COLLECTION XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I think FCRA XXXX requires the removal of any incorrect accounts from my credit report. Can you examine the documents? Some accounts are inaccurately listed, with erroneous amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied on Conn 's website only to see if I would pre-qualify by filling out the short form pre-qualify application, it cleared stated in bold yellow writing " the application wouldn't impact to lower your score ''! I hit the submit, to see if I would pre-qualify, it gave me offer for up to {$4000.00}. So I still assume it was a soft pull because it awarded me up to {$4000.00} not a definite credit line of {$4000.00}. I was unaware until the next morning on XX/XX/2020 when a sales rep named XXXX called me to inform me on the new credit line. I quoted to her the same thing that I didn't complete a application for a new line of credit, it was to a pre-qualification to see if I would qualify, that I was looking but wasn't ready sure if I was going to make purchases at Conn 's, especially when I didn't complete a application to run my credit for a hard pull, and the offer is only good for 30 days unlike any other line of credit or store credit, then you'll have to do another application for credit.Then I checked my credit monitoring it indeed was a hard pull, and my score was dropped as a results of this unauthorized action. Conn 's is the appropriate name for their business, plenty of consumers have gotten suckered by what happened to be a soft credit pull on their pre-qualify site, please check the internet for the reviews I'm one of many that this has happened to, it needs to be stopped by the federal government agency immediately!
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX stated i have a bankruptcy on my credit report and they said they verified my information through XXXX but the attached letter confirms I should not have a Bankruptcy on any credit reports since they cant confirm this information is valid. It needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

In 2021, I sent {$2000.00} to someone, but the funds were not sent to the correct person, and they were not sent. I was not reimbursed via Zelle on XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 17 closed accounts with XXXX  XXXX  that are erroneous in the information that is being reported to all 3 major credit bureaus. I have attempted to dispute directly with XXXX as well as the credit bureaus ; however, XXXX only updated the terms of my loan and not the late payments that are being reported. They are required to report correct information, and late payments that are being reported were covered by a retroactive forbearance from XX/XX/XXXX - XX/XX/XXXX. There is no way I can have a 120-day late payment in XXXX if XXXX and XXXX are currently reporting as OK/on-time. There is also no way I can have 90 day late in XXXX when all previous months out of a 4-year period ( dating back to XX/XX/XXXX ) are OK/on-time or no activity reported. According to the XXXX website, the forbearance definition is as follows : " Deferments and forbearances allow you to temporarily postpone your monthly payments under certain circumstances. '' The retroactive forbearance is put in place to postpone payments ; therefore, no payment activity should be reported for that period. The late payments for XXXX and XXXX, 90-day and 120-day respectively, are incorrect and are severely damaging my credit reporting with all 3 bureaus. This issue is preventing me from obtaining financing for auto and home purchases. Please resolve this issue as soon as possible.