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

Lost high salaried job in XXXX ( recession ) and fell behind on mortgage payments financed with PNC. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XXXX, we filed for deed in lieu of foreclosure with PNC and were approved. We had since moved out of the property and turned over to PNC. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the XXXX XXXX XXXX XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to PNC. I called PNC and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from PNC. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. PNC failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}
Product: Mortgage

I have for two months had issues with XXXX XXXX  XXXX ... I have been approved for a 403b refinance so I can get a new roof post hurrican Irma. The new lender XXXX XXXX XXXX needs a letter from Loancare, just simply stating I was in a disaster forbarence from XX/XX/XXXX to XX/XX/XXXX, and prior to this had no late payments. ( Which is exactly what my records for them show ). I have spoke to 50 people, tons of supervisors, and I can't even explain the stress.. the last call someone told me that it would be illegal for the to give me this email ... everyone says they can't do anything, no supervisor will return my calls ... I just need this one XXXX thing, so I can refi, and pay for my roof! Please help
Product: Debt collection

Hunter Warfield calls back to back all day long. It's harassment at this point. I've deleted my log for the past week but I have some recent ones attached.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reviewed my credit report and I noticed that there is inaccurate misleading information on my credit report concerning charge offs and collections accounts that have been repeatedly sold and reported multiple times. These practices violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 605,607,623 which mandate the accuracy, fairness and integrity of consumer credit reporting.Under 605 ( a ) of the FCRA reporting agencies must ensure that only accurate information is reflected on credit reports. Repeatedly listing the same debt under different collection agencies or reporting a sold charge -off as still owed by the original creditor constitutes duplicatiative and false reporting. Futhermore section 623 requires data furnishers to provide accurate completion information while section 607 mandates that credit bureaus adopt procedures to assure maximum accuracy. The repeated resale of these accounts have caused significant harm to my credit worthiness and financial well-being and constitutes willful negligent noncompliance with the FCRA. Additionally under section 616 FCRA as a consumer I am entitled to monetary relief for willful violations with statutory damages of {$1000.00} per occurrence in which I am seeking for the harm caused due to their neglect to investigate and correct these errors. Acct : XXXX XXXX ( orig creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ( I never lived at this address nor is this to my ss number? 
XXXX XXXX  ( orig creditor : XXXX XXXX XXXX  ) XXXX ( removed & reinserted ) not notified XXXX XXXX ( chargeoff ) no 1099c received from creditior XXXX XXXX XXXX ( orig creditor ) XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX : XXXX ( chargeoff ) no 1099c received from creditior
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that CREDIT BUREAU is reporting the wrong address information on my credit report. Please delete this address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Product: Debt collection

Hello, Pinnacle Recovery , Inc. has been trying to contact me via the mail and phone calls stating that they are collecting a debt. I would like them to cease all communication to me and be removed from all three major credit reporting agencies. They are trying to collect a debt that does not exist for XXXX XXXXXXXX XXXX Our account with XXXX is closed and we are working closely with them on modifying a Case we have with them. Therefore, Pinnacle Recovery , Inc is a third party that does not have anything to do with this and has no authorization to collect. 

I have sent all of their mailings back stating " These enclosed documents were inadvertently open by mistake. The enclosed documents, which appear to be ( A Collection Letter ), are not understandable, acknowledgeable, or recognizable under the penalty of False Personation and MUST be returned. The enclosure herein contains the aforementioned and misdirected documents ; as there is not enough information or knowledge disclosed to from a responsive answer, said documents are being returned forthwith. '' and " I do not consent to any third party intervenor to act as a power of attorney over any of my affairs. Cease all communications. '' According to 15 U.S. Code 1692cc - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

Pinnacle Recovery , Inc has not honored this law code and has created an Account # XXXX. I would like them to cease all communication to me and be removed from all three major credit reporting agencies. 

Thank you, XXXX XXXX
Product: Debt collection

The account referenced unexpectedly stopped receiving paper statements in XXXX XXXX XXXX. The statements are relied upon to manage and account for credit accounts. I was unable to contact Synchrony Bank office to account for the missing statements due to Covid-19 and severe lack of customer service personnel ; only after Ashley Furniture stores were reopen to the public was I able to get in touch with the credit department to request receiving statements again. By this time, XX/XX/2020, a critical timeframe had passed and Synchrony applied interest charges of {$1000.00} that would not have occurred had the balance been known to the client from XX/XX/2020- XX/XX/2020.
Product: Debt collection

On XX/XX/2018 I apparently had a balance of {$77.00} for XXXX XXXX XXXX XXXX - this was all part of an emergency visit to XXXX XXXX Hospital in NJ. My co-pay of {$200.00} by XXXX XXXX Hospital in NJ was settled and taken care of I have documentation to prove, minus the apparent charge of XXXX above. XXXX XXXX XXXX XXXX mailed billing to my insurance company, however, when I reached out to my medical insurance company, last Friday they tell me they have no collection of this billing. When I reach out to XXXX XXXX XXXX  XXXX, they realized that they billed with an incorrect account number. In the interim, I've been on the dark, not knowing or had no idea this was happening. I reached out to the XXXX XXXX company on my credit report and they are telling me that now it's too late anyway because this was back from XX/XX/2018 and that XXXX XXXX   XXXX can no longer bill my insurance company, XXXX XXXX XXXX XXXX. However, here I am with this stain on my credit report, preventing me from seeking a decent rate on a home re-financing because of this. The rest of my credit is in great standing however, this mistake is affecting me. I'm not sure what to do, I don't care I would pay the XXXX dollars to clear this up, however, they're telling me it would take up to 3-6 months and it would only showed " paid '' it wouldn't be removed, this is so unfair. As a consumer, I feel trapped without any valid options to clear up my credit report as it should be. Please please help me. Thanks so much!
Product: Payday loan, title loan, or personal loan

I took out an online loan over the summer from XXXX XXXX ( XXXX XXXXXXXX ). 
I contacted them via email in XX/XX/XXXX asking them to switch my bank account on file they have dealt me issue after issue refusing to update my banking information, Ive sent them bank statements for two months in a row and they tell me credit unions arent recognized, my bank statement is out dated as they leave it set there and dont work my request now after all this they are requesting me to send them my new bank Statement to show my account activity, pay stubs and letterhead from my bank showing account and routing # which has already been sent to them, and a voided Check before they will update my bank information. They were asked to remove the previous account on file and they refuse. I refuse to give them any further information regarding my bank account and its activity, my bank has warned me their actions are borderline fraud This has absolutely nothing to do with changing my bank account! 
I have asked them to work with me on small payment and reduce the interest as I had been off work sick with dr note and they wont do anything to reduce or stop interest in the retention department I cant affod their payments, I borrowed {$460.00} and no owe almost {$1000.00} They just deduct the payment at their discrestion with no notice How do I get them to stop this and work with me
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor 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 signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX  XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX XXXX XXXX  the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on Transunion and XXXX and a status of CLOSED on XXXX. There is NO payment history on Transunion, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Bankruptcy Date Filed : XX/XX/2020 XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, XXXX, XXXX, and Experian have failed in their responsibility to fulfill this requirement. They have furnished information that does not reflect my actual credit behavior, which is not only erroneous but also damaging to my reputation and financial opportunities. 
As a consumer, I am entitled to fair and accurate credit reporting under federal law. I have diligently followed the proper procedures to dispute the inaccuracies, but the financial institution 's refusal to correct the errors and the consumer reporting agencies ' lack of thorough investigation have caused significant harm to my creditworthiness and overall financial standing. 
The inaccuracies present in my credit reports include : Outdated information : Some of the reported information is outdated, such as closed accounts being listed as active, which further hampers my creditworthiness assessment. 
Reporting of late payments that were never made : Several accounts on my credit report show late payments, but I can confirm that these instances are incorrect. I have always made timely payments and have records to substantiate this claim. 
I have diligently tried to resolve these issues by disputing the inaccurate information through the credit reporting agencies ' dispute processes. However, their responses have been unsatisfactory and merely result in re-verifications of the disputed information without proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX pm. XXXX stated that there was no information with my name and social. Instructed me to report it to XXXX XXXX to remove this item. 
XXXX. XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX. They as well don't have any information in my name or social. Contacted XXXX XXXX to remove this item. 
XXXX XXXXXXXX XXXX XXXX Hard Inquire XX/XX/2022 ( XXXX ) XXXX. Calle them today at XXXX am as the other inquires they all so don't have any information on me. Contacted XXXX XXXX to also have this item removed from my account.
Product: Credit reporting or other personal consumer reports

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


Under 15 U.S. Code 1681 e ( b ) Accuracy of report 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.

Under 15 U.S. Code 1681 i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 


Please remove the following items from my credit report immediately : XXXX Account name XXXX and XXXX XXXX Open Balance XXXX Open balance XXXX XXXX XXXX Open Balance XXXXXXXX XXXX XXXX XXXXXXXX was added to your report. This account was opened on XX/XX/year>. 


Transunion Account name XXXX and XXXX XXXX Open Balance XXXX Open balance XXXX XXXX XXXX Open Balance XXXX XXXX XXXX XXXXXXXX was added to your report. This account was opened on XX/XX/year> XXXX Account name XXXX and XXXX XXXX Open Balance XXXX Open balance XXXX XXXX XXXX Open Balance XXXXXXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased three tv mounts, washer and dryer and king size bed with mattress at Conns XXXX  in XX/XX/2021. I made my first payment of XXXX dollars in XX/XX/2021. I received phone calls stating that my account was late even though I paid before time and more then the minimum balance. I was then informed that I had two separate accounts and the balance only went to one account. I asked why did I have two accounts when I purchase all these items at the same time. They did not have answer and stated that they could merge the two accounts together when I bought the other account current however, this never occurred along with multiple phones calls and asking for this request. I begin to pay in large amounts in order to pay off the accounts. XX/XX/XXXX I paid XXXX dollars. I have asked for documentation of my payment history and yet have received. I noticed when paying large amounts of money my balance was not decreasing. I called and asked if they had applied interest to my purchase. I was informed that a interest rate was applied. I signed a contract that started that I had 12 months interest free. I looked up the interest rate which was 29.99 % that the company did not inform me of. The company refuses to take off the interest. I have tried on several occasions to reconcile the situation.
Product: Student loan

Everyone I called to say that I could n't pay my loan they would put in forbearance and I have to agreed on paying interest. I felt that my situation was getting harder.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX of XXXX i rented an apartment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx after the texas snowstorm, i could not continue living in the apartment i lived in for over 7yrs when i signed the lease for the new apartment XXXX XXXX explained to me that she only had one upstairs apartment and as soon as a downstairs came open due to my XXXX she would move me downstairs well on XXXX XXXX my job of over 8years let me go i had no job and trying to still get over XXXX XXXXXXXX i gave 2month notice to leasing office and XXXX XXXX infromed me that i should apply for texas rent relief so i did and texas rent relief paid the one year lease i had signed off no balance was left as time went on could not fine a new employer i cleaned out the apartment which was still upstairs, i had given XXXXXXXX XXXX {$300.00} money to move to the downstairs apartment  which she kept and told me that it was applied to rent after texas rent relief paid all the lease and utilities i called the leasing office and spoke to manager XXXX XXXX because a debt collection agency was calling demanding that i pay an amount of over {$600.00} to them on past due rent for XXXX XXXX XXXX i called leasing office attempt to resolve this issue XXXX XXXX told me that i gave a 60day notice and yes all of the lease was paid in full so what is the amount that XXXX XXXX XXXX sent to collection agency for? 

XXXX XXXX told me you are a skip because you moved out one month before the date of the 60day notice you gave i explained to XXXX XXXX that i had to schlude help to clean the apartment and help with moving heavy items to leave the apartment very clean and ready to rent to someone else the apart was rented the week i moved out to a new tenant so the XXXX XXXX XXXX lost no money in fact the kept my {$300.00} deposit for the downstairs apt and the lease was paid in full for the rest of the one-year lease and so were all the utilities by texas rent relief this was put on my credit report and apartments will not rent to me due to this!
Product: Debt collection

The company was Johnson Mark LLC " attorneys at law '' XXXX XXXX XXXX XXXX UT XXXX, XXXX and they submitted a request to garnish my wages for a creditor called " XXXX XXXX '' and I dont even know who that is. I had paid this off and taken care of the garnishment so was not worried about that at all. I was just calling to verify the original creditor, and to give them whatever information they needed to close their case. The woman hung up on me as soon as I said I had paid the bill. Then when I called back and asked what I could provide for her to close the case she raised her voice and said it was coming out of my check ( which doesnt matter as I dont even work for the company they were trying to collect wages through anyways even if I had not paid it ). I really was just trying to verify the original creditor and give them a courtesy call and she started screaming at me and said " get off my phone!!! '' and hung up on me again. I dont care that it was paid, that it was garnished etc and felt like i handled the call as well as I could... but i do feel like it should be illegal, if it is not, for a company to be able to garnish your wages, and then not only not clarify what it is for, but scream at you and hang up on you when you are trying to clarify a debt. They contacted me a week ago XXXX XX/XX/22 and I called them back today, at XXXX and XXXX MST. I still need to know exactly what the charge is, as I am working through old debts and need to know exactly which creditor to scratch off my list, but am afraid to call back. : ( I also asked her if this was regarding a debt from " XXXX  '' and she said yes, in the middle of screaming at me, so I called XXXX with another number I had hoping to get someone else and they ended up being a completely different company so the little information I did get from her, was not correct and could have led to me not paying another debt based on her statement. I am pretty horrified that when I finally try to get my debts in order, this company would scream at me for calling to let them know I am paying their bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion were reporting an account from credit first as date of last payment XX/XX/XXXX, I asked them to delete account because Date of first delinquency was greater than 7 years ago, XXXX changed XXXX to XXXX which is illegal Transunion is still reporting account