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

In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows 100 % paid but also reports XXXX days late the account balance shows {$XXXX} which is incorrect. The account is not late but shows a missed payment. XXXX XXXX agreed to keep my account in XXXX Protected status because of the XXXX  and XXXX  that I experienced financially for the XXXX  years that they did not have me in XXXX XXXX protected status. They fixed the error but now they are trying to reverse it.
Product: Credit card

I recently checked my credit report from XXXX and its says I opened a Amex credit card for XXXX which I dont even have that card
Product: Credit reporting or other personal consumer reports

Nationwide Recovery Service is in violation of the Fair Credit Reporting Act of 15 USC 1681 Rule 624. This rule gives the individual the right to opt out of having third party individuals reporting information on his/her credit report. NRS fails to abide by this rule after being notified of a dispute. NRS failed to abide by the Fair Credit Reporting Act of 15 USC 1681 that states that after 120 - 180 days delinquent the charges has to be charged off. NRS has failed to update the credit report reflecting the pass 120 days charge offs. NRS is guilty of violating my rights under 18 US Code 242 - Deprivation of Rights under the color of law. NRS is violating my rights under the 8th Amendment of the US Constitution : NRS operating as collection agency is falsifying the status of the credit reports, by posting dates on the credit reports without showing the charge off status afforded on the FCRA. NRS is posting dates that are fraudulent to the facts of the records. This violates the 14th Amendment Rights To Equal Citizenship. When a debt collector purchases a debt from a creditor, that is a dept collector 's debt that I do not owe to the debt collector. When the US enforces one segment of individuals to pay a debt someone else purchased and fails to allow the same individual or agency to pay the debts of which I purchase then you violates my 14th Amendment Right. The US has placed retribution of 7 to 10 years upon us with negative credit. As equal citizen you do not make those who murder pay others for their wrong doings, you make them pay the time. I am paying my time for those debt. I wish to be treated as other offenders who only pay for the offense itself. I do not owe Nationwide Recovery Service; I do not owe Professional Finance ; I do not owe XXXX and XXXX ; I do not owe XXXX XXXX XXXX. If they purchase the debt, it is their debt. I am doing 10 years. XXXX allow the collection companies to report late dates to extend the penalty time. This needs to stop. 
Nationwide Recovery Service is in violation of 15 US Code 1692e False and Misleading Representation. As of XXXX XXXX XXXX. As they noted on their credit reporting, date of first delinquency XX/XX/XXXX. This date fairly represents my relationship to this debt owed. Balanced as of XX/XX/XXXX, {$750.00} - this is a fair representation. Collection reported XX/XX/XXXX has nothing to do with my relationship with XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These excessive dates are used to extend the 7 year term. It needs to be removed. It is double jeopardy. There has been only one delinquency and that is XX/XX/XXXX. Assigned XX/XX/XXXX has nothing to do with my relationship with XXXX XXXX XXXXXXXX XXXX XXXX XXXX. It needs to be removed. Dates that XXXX XXXX XXXX set up with XXXX XXXX has nothing to do with my credit report. It falsifies the dates of my 7 year punishment.
Product: Credit card

In XXXX I had an opened account with Amazon through Synchrony Bank. In XXXX my account was involuntarily closed for no reason. The account states, " Account closed at grantor 's request ''. Shortly after I began receiving calls about the debt owed on the account. After talking to a Customer Service Representative, I agreed to pay a total of {$180.00} over a total of XXXX months. Every month I was on time paying {$60.00} According to my Consumer Report, its reporting that I was delinquent XXXX days starting in XXXX XXXXXXXX, XXXX days in XXXX, XXXX days delinquent XXXX, XXXX, and XX/XX/XXXX. The account was closed in XX/XX/XXXX. There are a lot of inaccurate information on my Consumer Report and I have proof of that. Its reporting that I was XXXX payments behind, owing a balance of {$280.00}. But according to the Agreement I paid a total of {$180.00}, but the agreement stated I would be paying {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital XXXX continues to lie to the credit agencies about a debt and I continue to request that it is removed yet they continue to change the date on this debt. To me that is criminal but at least it needs to be corrected, it is over 8 years old and was never valid in the first place.
Product: Debt collection

In 2010 I purchased an XXXX alarm system with monthly service. I purchased the equipment and paid to have it installed and paid the initial monthly service charge. However, the system never worked. I called XXXX immediately and they stated that it would cost {$50.00} minimum for a technician to come to the house. I explained that it was a brand new system which their technician had failed to properly install but they refused to waive the charge. I cancelled the service immediately and told XXXX that I wanted to know if I could return the equipment ( which I already purchased ) for a refund but I was told that the equipment was not returnable. I do not have a functioning alarm system. XXXX, unknown to me continued billing me for monthly service. The bills were sent to an incorrect address and so I did n't receive them. When I realized that XXXX was still billing me, I informed them that I did not have any service with them. The debt was transferred or assigned to a third party collector, a New York lawfirm, Walter Lee & Associates, LLC. I have been in contact with the company and they have my current contact information in XXXX XXXX, XXXX, including address, phone number and email, and the company has contacted me successfully through all of these. The collection attorney tried to bill my debit card for the disputed debt, but I have cancelled that card. When they called to inform me that the card was declined I informed them that I disputed the debt and that I would not pay for service I did not receive or agree to pay for ( recall that I cancelled the contract when they would not waive the service fee back in 2010. See above. ) They stated they would sue and it would negatively affect my credit. After consulting an attorney, I decided that having the matter decided through litigation was preferable to paying based on empty threats from Walter Lee & Assoc., LLC. I have requested a copy of the XXXX contract, as well as the relevant billing correspondence and any account summary in Walter Lee & Assoc. LLC 's possession. I was horrified to learn that today, Walter Lee & Assoc. LLC called my sister, who lives in XXXX with her husband XXXX children, XXXX Walter Lee & Assoc., LLC left a message on my sister 's cell phone that I had defaulted on my " debt '' with them. Neither my sister nor any other family member was a co-signer for the XXXX account, or involved in any way with the transaction. I do not even know how Walter Lee & Assoc. LLC obtained my sister 's phone number. I believe the Fair Debt Collection Practices Act prohibits this type of conduct by third party debt collectors. Walter Lee & Assoc., LLC is not, to my knowledge, a licensed attorney or a licensed collection agency in XXXX, which is where I entered into, and CANCELLED, the XXXX contract. I still have not received the contract, correspondence and account documents that I requested from Walter Lee & Assoc., LLC and I would like them to cease and refrain from contacting my family ever again. I have notified them of this demand and that I filed this complaint. XXXXy
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX Balance XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I received my credit report XXXX because I had finally become financial able to buy my first home. I saw that Bank Of America was on my credit report saying I owed them {$5200.00}. I disputed the account with Bank of America and all XXXX credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 21 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 kindly requested XXXX and Equifax to provide physical, verifiable evidence to substantiate the account 's existence and permissible usage but they did not. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both XXXX and Equifax credit agencies to challenge the reporting and compliance of an open account that is reporting under a incomplete account number ( XXXX ). There are ( 2 ) accounts reported by XXXX XXXX with the same partial account number and the information that is reported is misleading. 

More specifically, I am referencing the fact that the information XXXX XXXX is reporting to both my XXXX andEquifax files has an incomplete account name, an incomplete account number, an incorrect account type, inaccurate account balance, missing field description of terms, missing filed high balance, missing filed comments, incorrect past due balance dates reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. 

As per section 609 of the Fair Credit Reporting Act the CRA is required to report the entire account number and a 100 % accurate account information. Please remove this inaccurately reporting account from my ( 3 ) credit bureau files.
Product: Debt collection

Midlands called me to collect an old debt on my cell phone. I asked them to not call me anymore. Three days later, the company started calling me at my job and also gave information about the debt to my boss and other coworkers.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Navient For the past year I have had to file several deferments and forebearances, trying to get my payments with Navient to a reasonable amount. They just replied today XX/XX/18 with a {$390.00} payment plan. I have sent numerous requests as well as proof of income. The only things I can get are temporary forebearances that hike up the interests later.
Product: Student loan

I have been out of school and paying down my debt for a couple of years. I decided to switch how my payments were applied and paid off a vehicle that was very close to being paid off. 

On XX/XX/XXXX I looked at my student loans, and because of what my XXXX XXXX XXXX XXXX  billing statement said at the time I decided to adjust what I was paying. My statement said that I was paid ahead by {$4300.00} and my next required payment was not due for 14 months. 

So I changed my payments, while continuing to pay {$100.00} per month to continue my paid ahead status. When I was completed paying off my vehicle, on XX/XX/XXXX my balance had not changed so I didn't think anything of it. My statement said that I was still paid ahead by nearly {$600.00} and I didn't have to make a payment until XX/XX/XXXX. 

So I started back up making payment well above my required amount to further reduce this debt. But after a few months of making these payments, not a single dollar was reducing the debt. They were applying to accrued interest and nothing off the principle. But 4 month later on my XX/XX/XXXX billing statement ( while they were not applying any to principle ) I was paid ahead at {$1000.00} and didn't owe a payment until XX/XX/XXXX. 

Not only did they not disclose the payment were being charged to accrued interest, they did not give me updated statement balances, and they held my money that I had paid and didn't apply it correctly. 

This company is acting fraudulently and in bad faith to not only me but I would venture to guess Thousands of consumers who are using them for their student loans. If they are telling me I am paid ahead, that money should have been used to cover any accrued interest, and or been applied to straight principle. If they are saying I do not owe a payment, how is it that I can still be charged interest? 

I have reached out to Great Lakes and was treated very rudely by both the customer service agent as well as her supervisor. I submitted a XXXX XXXX XXXX complaint and got a canned response, not even answering my questions or concerns. 

I demand action be taken to fix this issue because the American consumers are being gutted by this company who is not handling payments in the correct way and not being truthful in the amounts of debt owed. They " hide '' the true balance which gives consumers a false narrative of their account. This is extreme bad faith and needs to be corrected. 

I would like my account reviewed and any fees credited back to my debt. I have recently gotten so sick of dealing with this company I am refinancing with another company to get away from these unfair and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA NA, clarify that you complied with federal laws and provided me, XXXX XXXX, obligor, the appropriate forms according to 15 U.S. Code 1635 ( a ) - Right of rescission as to certain transactions which states The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Show me proof that you complied with the law within documentation. Read 15 U.S. Code 1635 ( c ) if you need more clarity. Capital One Bank you are required to do so by Federal law, now prove you have complied with the law. Thanks and best regards.
Product: Mortgage

I make 12 mortgage payments per year to Wells Fargo. I pay a day or two early to be sure they are received on time. These payments are scheduled and automatically sent by my bank ( XXXX XXXX XXXX  ) to Wells Fargo every month. These facts are not in dispute with Wells Fargo. 

I received an escrow analysis for XXXX indicating that my escrow balance was projected to be too low at some point in the year and I should therefore pay a little more to make sure the escrow balance didn't get too low in XXXX. However, that XXXX escrow analysis is based on only 11 payments in XXXX. They show zero escrow payments for XX/XX/XXXX, but estimate the correct amount for XX/XX/XXXX. The end result is that the estimated escrow balance for the start of the XXXX analysis period is one escrow payment ( {$840.00} ) short. 

I have spoken to 4 different people at Wells Fargo ( XXXX ) since receiving the statement on XX/XX/XXXX. The last two are XXXX XXXX at extension XXXX and XXXX XXXX at extension XXXX. They all tell me that they have 11 payments for XXXX in the escrow analysis because I pay early. So when the statement was run, they hadn't received any money in XXXX. I pointed out that they receive 12 payments and therefore they need to perform the analysis based on 12 payments. They acknowledged that they will receive 12 payments in XXXX and they are received a couple of days before the payment is due, but they are sticking with the analysis based on 11 payments. 

This approach to the analysis is either incompetent or malicious. XXXX told me that I have escalated as far up into Wells Fargo as I can so I am now asking for your help to intervene.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date that's on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Mortgage

My husband is a vet and we currently have a VA loan with Guild Mortgage, I am a XXXX XXXX XXXX XXXX and XXXX, and use Guild as my preferred lender. Not anymore!! When my husband bought our house in XX/XX/2017, he had 60 days to claim the property as his primary residency. He unfortunately did not to this, which has most recently caused us to be in a different tax bracket. We have rectified the situation with our local Tax Assessors office and gotten our mortgage company what they need. We were told that we had to make our XXXX payment which was {$1300.00} and we did. Our normal payment is {$750.00}. Guild informed us that our information was being sent over to the tax department to be re-analyzed. This was sent to them on XX/XX/XXXX. My husband and I have been calling and checking in with Guild to find out where they are in the process and what needs to happen to put us back to our normal payment of {$750.00}. We were told that they are waiting on the refund from our local Tax Assessors office before they can modify the monthly payment back. Upon calling our Tax Assessors office, we found that they mailed the escrow refund to Guild Mortgage on XX/XX/XXXX. Last week my husband called to check in and was informed that they are still waiting on the escrow refund. We recently received our statement in the mail claiming we owe Guild over a grand for the month of XXXX. Guild has been sitting on this escrow refund for over 2 weeks, and has yet to re-analyze our payment. We have never been late on a payment and always make the correct amount requested. Every time my husband and I call Guild we are told different things by different people. No one seems to know their head from a hole in the ground there. We feel like we are being drug through the mud, once we figured out the problem at the beginning of XXXX we did all the means to rectify the problem to become a solution. I can not say the same for Guild Mortgage. It is a shame that good customers are treated so poorly, we completely understand that Guild Mortgage footed the payment and wanted to be paid back, which they now have. We also understand that this problem would of never happened my husband would of claimed our home as his primary residency. We are simply just trying to get our monthly payment back to the amount it should be so we aren't forced to make payments that we cant afford.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 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