23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Promise to Pay amount {$25.00} per month on a {$9600.00} Loan Account ordinally opened with creditor for a Auto in XXXX and was dropped off my credit report in XXXX after a dispute was made. CACI picked up as a third party debt creditor in XX/XX/XXXX. 
I am tryin to straighten out my credit so I agreed verbally with XXXX XXXX a representative at CACI to have drafted out of bank statement {$25.00} per month due on the XXXX of every month. On or around he XXXX I noticed a decrease on my credit of XXXX points. In XXXX there was fraudulent activity done on my bank account so the card was deleted and i was issued a new card. I immediately called to see why was my payment was reported to credit bureau without a call from CACI the debtor creditor requesting the payment, AND i thought there was a 30 day grace period before late payments were assessed and reported to credit bureaus. 
On XX/XX/XXXX deposit was made XXXX {$50.00} to CACI On XX/XX/XXXX payment made of {$2500.00} to CACI On XX/XX/XXXX payment made of {$25.00} to CACI I would like to dispute the amount owed of {$9600.00} reason below. 
1. No validation information from CACI by mail or electrotonically 2. Promise to Pay of {$2500.00} was done verbally only between myself and XXXX XXXX with CACI but no documents were sent to for signature or XXXX XXXX by mail or electronically 3. Payment should not be reported on credit report as non Payment, payment was received by Myself Ms XXXX XXXX within 5 days I am XXXX XXXX XXXX on a fixed income from social security of {$890.00} per month. When I am finished payment rent, utilities am broke. I had a XXXX  XXXX XXXX in XXXX of XXXX. I would like to have this collection account removed from my credit report, Although I did agree verbally to pay this debtor, but they did not provide me with any validation hat this account is mine or is still opened. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, even XXXX my ability to XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Mortgage

Our complaint in summary : We have been approved for XXXX XXXX XXXX  XXXX ( XXXX ) Our Mortgage Provider has verbally said they are planning to participate Our Mortgage Provider has us in active forclosure with a sale date although we have assistance through XXXX XXXX to bring us current. 

Our desired outcome : Our mortgage provider stop all forclosure actions and accept the assistance we qualified for with the XXXX  XXXX program. 

Mortgage Provider is CITADEL SERVICING CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX We filled out an Application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have weekly communication with Citadel informing them of our hardship and status of XXXX XXXXXXXX Application through out this whole time and still on going. 

In late XXXX we wanted to start making monthly payments so that we would only be a couple months behind. We tried to pay for XXXX and we were in XXXX. 

XXXX We made an online payment towards our delinquent amount. That was later returned. Citadel was at that point only willing to make the account current which meant we had to come up with the full amount past due and current due. 

XXXX XXXX XXXXXXXX sent us notification that they were awaiting response from our Mortgage Provider. It was the wrong provider listed and took about a month to correct. 

XXXX We heard from both XXXX XXXX and Citadel. XXXX XXXX formally requested participation in the XXXX program. Citadel acknowledged receiving the email and forwarded the information to management for review.

Citadel through out the process asked us to apply for a repayment plan but XXXX  XXXX informed us that a repayment plan would be viewed as us getting current and no longer needing assistance. We would no longer qualify for the assistance. We continued to communicate weekly with Citadel and XXXX XXXX checking on any movement. 

XXXX We received a notice of Trustee sale with a date set for XXXX XXXX We have been in contact with Citadel Sr. Loss Mitigation Specialist. 

XXXX We were informed that Citadel was planning to sign up but that its a long process. 

XXXX Citadel has no update regarding particapating in the XXXX program.
Product: Debt collection

Hi, In XX/XX/XXXX I went to XXXX XXXXXXXX XXXX  hospital to visit my XXXX While I was there I lXXXX XXXX  in the hospital whole way then I woke up XXXX XXXX  after the hospital team instead to take me to a room and check my XXXX XXXX despite my request not to get any medical service then I got discharge after XXXXXXXX XXXX  I was not informed that I will getting charged for them checking my XXXX XXXX. Then I noticed in XX/XX/XXXX that its reported on my credit report as a medical collection bill of {$1600.00} from XXXX XXXX collection over the incident that happened at XXXX XXXX XXXX XXXX that happened XXXX. XXXX and I explained it above. In XX/XX/XXXX XXXX I field a dispute wheres XXXX XXXX over that collection since beside the fact I didnt agree on receiving any XXXX XXXX from that hospital from first place I also had XXXX XXXX cover that kinda incident and the despite me providing them with my XXXX XXXX the collection refused to resolve the issue since the medical bill has went into collection and the only way to remove it from my record is to pay it from my own pocket. The dispute file number that XXXX XXXX in XXXX is XXXX submitted in XX/XX/XXXX. The result of the dispute got denied from the Clark county collection services.
Product: Mortgage

Rocket Mortgage representatives consistently operate in unethical practices. When you call for information regarding using your equity, they use underhanded tactics to gain your information so they sales reps can offer you their services, even if you don't want them. If you call about a HELOC, the representative will run your credit and then say we don't offer HELOCs but maybe you should consider a Home equity loan anyway. I received multiple emails and calls regarding services I didn't want. Someone even drew up loan documents for me to sign and mailed them to my house. I've have several of these fraudulent interactions with them and I no longer trust Rocket Mortgage.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its XXXX XXXX XXXX XXXX XXXX XXXX XXXX  seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time attempting to have TransUnion remove the remaining fraudulent student loans and inquiries from my consumer report. Pls remove what is outlined in my FTC reports.
Product: Credit reporting or other personal consumer reports

Following inquiries, were never applied to from me, 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: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... PROFCRJXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 purchase using Amex card ending XXXX. XXXX is the merchant name. Purchase amount is {$19.00}. I disputed this through American Express and was told it was a valid purchase and that I signed up for a reacurring service. I never intended to sign up for reacurring service. I only used XXXX XXXXXXXX for a single one time purchase of postage. I feel this charge should be reversed and charged back to XXXX
Product: Debt collection

Lloyd and McDaniel, PLC purchased a paid off account with my name on it and is fraudulently trying to collect on a debt that has already been paid off. Since the original creditor, XXXX XXXX XXXX  did not bother to sign the letter that they sent to me and take any responsibility for this claim, I can deem their claim fraudulent for a couple of reasons. 

Reason # 1 ) This is a trust action. By taking my SS # the original creditor was given consent by the beneficiary of the trust to access the trust for payment. Any additional payment is double dipping and illegal. In the original contract it clearly stated that my information would not be shared with any non-affliates. This account has be sold and bought 3 times unlawfully and that I am owed {$1000.00} dollars per each violation of my privacy. Which means not only was I violated under the Privacy Act, but also under the terms and conditions which they granted to me at the time of the account being opened for a year and 6 months. That total amount adds up to {$18000.00}. 

Reason # 2 ) Per public law 73-10 the US Treasury is to handle all public debts due to the eliminating of gold coinage and gold clauses and contracts. 

Reason # 3 ) They purchased alleged debt which in itself discharged the debt, then you claimed the debt and it became a tax write off for you. Not to mention your company is not legally allowed to collect an alleged debt in the state of OHIO, including your third-party debt collection bond. 



They can not make any claim of equal consideration and thus have zero legitimacy to call for a tender of payment. According to the UCC 8-102 Indorsement means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming the security or granting a power to assign, transfer, or redeem it. Which means my original wet ink signature is worth the value on the form I signed with said initial creditor on the day that I allegedly signed it. 



It itself became a security and has the same monetary value as written on it as if it were Federal Reserve Notes. My alleged signature paid for the loan received, as proof you bought said debt because it has value. Meaning the form, I allegedly filled out with my signature was redeemed as per UCC 8-102 defined above.

Any further attempts to get me to contract with them will be a violation of 18 USC 1341 Frauds and Swindles and will be reported to the authorities. And while we are on the subject of fraud ; I have informed them that they are responsible to provide me with the Cusip number of the debt securities you are profiting from on the primary and secondary markets, so that I may deposit my 80 % of earnings via check to the address that they have on file that you have unlawful obtained and unlawfully attempting to collect from. According to their prospects form, their company agreed that said securities would not be added to the secondary market, which would constitute securities fraud.
Product: Money transfer, virtual currency, or money service

I have a mortgage with Carrington Mortgage my account number is XXXX. I have made payments and they don't show on my account when it was paid thru XXXX XXXX they claim they received a payment for {$220.00} yet no payment for {$940.00} which was made in XXXX. I been in touch with XXXX XXXX and they said they were suppose to send all the documents that Carrington was asking for since they already had the information. I called today XX/XX/XXXX to check on the statice of when I called XX/XX/XXXX to Carrington Mortgage and I get the run around again. They asked if I put the Account number on the money transfer. I have never had any problem with prior mortgage company 's until I got with this one. It's like they act like your a liar. All I want is too know where my money has went since it wasn't applied to my Mortgage.
Product: Debt collection

In accordance with the fair credit reporting act, XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Original Creditor, XXXX XXXX XXXX now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused my payment. Original creditor referred me to deal with collection agency. Requested verification of debt onXX/XX/XXXX. Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. OnXX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact on XX/XX/XXXX to settle account. Made phone calls at XXXX XXXX and XXXX XXXX with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXXXXXXXXXX XX/XX/XXXX with no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with SYNCB PPC several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 

XXXX. SYNCB PPC # XXXX
Product: Credit reporting or other personal consumer reports

On about XX/XX/XXXX, I contacted Transunion regarding an account ( XXXX XXXX  ) reporting to my report that was not mine. The account belongs to a relative with the same name... Im XXXX XXXX, XXXX and the account belongs to XXXX XXXX, XXXX As of today they still have not contacted me regarding this error and this erroneous information still remains on my report. 
In addition the XXXX XXXX XXXX XXXX  also does not belong to me. Also, XXXX XXXX XXXX account XXXX XXXX and account # XXXX should be remove because I am not responsible for the account, it does not belong to me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report in reference for an XXXX XXXX XXXX XXXX XXXX credit account that was being illegally reported to the credit bureau without my expressed consent. Credit bureau removed it, then they reinserted it due to banks insistence that they do so unethically and illegally. The credit reporting company knows or should know the law relating to reporting such information with out proof of my consent. I have sent the credit reporting company a bill to settle this violation of my rights, If they do not pay me< I plan to sue them for at least 10 times the amount they have been billed for and of course they must remove the account from my consumer report.
Product: Mortgage

I have a 30 year fixed mortgage with TCF bank. My monthly payment is XXXX due on the XXXX. I paid it on the XXXX and they only applied XXXX to my principal. the rest went to interest. They distribute my payment unevenly every month. I have never been late. I think the distribution is grossly unfair. I have written to the bank president who said that when the payment is not paid on the XXXX, more goes to interest. I understand that, but {$1000.00} to interest and XXXX to principal? Can you help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I did not have the option to upload these documents and was advised to mail them. To be honest, mailing letters to the credit bureaus has been a complete waste of time because nothing has been done. Attached you will find the following : Dispute letter ( Identity Theft ) Police Report FCRA 605B Photo ID
Product: Credit reporting or other personal consumer reports

Experian failed to add my points back from when they removed XXXX points for the removal of my old student loan XXXX XXXX that was an error ( it was removed in good faith In 2019. It recently appeared back on there. Well Experian has the letter from XXXX XXXX stating the error and to remove. Experian removed but took almost XXXX points from my XXXX XXXX. My complaint today is they have put my XXXX  loan back on my report as debt. At this point I want to file lawsuit! Im XXXX  because of these errors and intentionally malice! I pay my debt off- get errors removed and accts closed and they penalize me again. As a citizen of this great US I have rights that protect me from incidents like this. This has put a big strain on my life and my children- they are in school and we had to move to hotel! Im angry and hurt that a system that was supposed to be built to help is hurting and destroying me the most! This is unfair unjust and by the FCRA- against the law!
Product: Vehicle loan or lease

I requested a 2 month extension with key bank as I ran into a financial situation which I'm still in. I was told if I called back in XXXX or XXXX they would help me so I did. I had my father call as he is on the loan too. And they gave him a hard time. I'm still fighting with them I have reported them to the XXXX. I got a letter from them stating that my hardship provided indicates a long term hardship all I asked for was 2 months so I could get caught up do I wont lose my car
Product: Credit reporting or other personal consumer reports

I had a Federal Perkins Loan while attending XXXXXXXX XXXX XXXX 

I became XXXX with XXXX XXXX. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXXXXXX XXXX XXXX, for they and XXXX XXXX XXXX were handling the XXXX XXXX XXXX. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report.

I have 5x120 day lates, multiple 30, 60, 90 day lates as well.

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have XXXX XXXXXXXX including an aneurysm which will at some point end my life suddenly.

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 that the information is inaccurate.