23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted this Nemo 's collection Company and explained to them I have medicaid, they did not do their investigation of this matter properly. I have also given them my insurance information when I went in. Furthermore, I did not get helped, the doctor came in and said she needed to refer me to get a scan at some local hospital. I am not paying for this when XXXX did not do ANYTHING. Also, this is medical this is not suppose to be on my credit because of HIPPA laws. I would like this removed immediately before I contact my attorney.
Product: Credit reporting or other personal consumer reports

School first continues to report a balance and the account has been closed I personally went to the branch and closed accounts and credit card, they continue to increase balance and report a balance that is not accurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Experian hasn't add my identity theft statement to my credit report as of yet., although I informed them of this information almost a month ago
Product: Debt collection

The debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I didn't participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

This XXXX XXXX originated with XXXX in the Summer of XX/XX/year>. I only attended class for approximately XXXX weeks, XX/XX/year>. Hurricane Katrina destroyed 80 % of XXXX XXXX XX/XX/year>. ( Per United States XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX { Federal Students loans are DISBURSED as needed } ( Semester/Trimester ) basis. I DID not attend, even for a FULL semester - nor did I attend XXXX XXXX anytime after XX/XX/year>. It is virtually impossible for me to have RECEIVED the full amount of this XXXX XXXX XXXX- $ XXXX in XX/XX/year>. 

I requested the Dates and ACTUAL AMOUNTS of loan money that I RECEIVED from XXXX - but they have not given me PROOF of disbursements that were PAID to me DIRECTLY- not to the SCHOOL. 

XXXX XXXX XXXX XXXX  are aware of these RULES for Student Loan Disbursement - but they are violating my rights and the the Laws that govern Student Loan Disbursements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a home mortgage loan ( Loan # XXXX ) with AmeriSave Mortgage through " XXXX XXXX '' for the property address " XXXX XXXX XXXX XXXX , VA XXXX ''. This is my sole loan and I am the only person in " Promissory Note '', and as of now I am liable for the loan amount of approximately $ 360K. Originally, I gave third party authorization just to collect information about my loan for my ex-spouse to refiannce, and revoked authorization end of last year itself for my ex-spouse. Recently, I found last month XX/XX/XXXX that " XXXX XXXX '' processed " Loan Assumption '' to my ex-spouse without my knowledge and agreement. This Loan assumption process is going to keep my name in the " Promissory Note '' and my name will not be removed completely and keep liability issues, which will directly impact my security clearance ( As I am a XXXX XXXX ) of my livelihood. Since, they have done this process without my knowledge, I have requested a letter over the phone and by email today to both XXXX XXXX  and XXXX XXXX, so that I can to produce this letter in the court for evidence. I talked to XXXX XXXX ( ph : ( XXXX  ) XXXX XXXX   ) about this matter since he was assisting my ex-spouse in this matter. He re-directed me to talk with his manager XXXX XXXX  ( ph : ( XXXX ) XXXX XXXX ). I tried to reach XXXX XXXX  several times over the phone, left voice message and emailed to both to request the letter to produce in the court. But, there was no response and reply. I made a complaint to XXXX in vain for proper response and compensation.

Recently, now XXXX XXXX   from AmeriSave ( Ph:XXXX ), reached out to me by email improperly to manipulate the " conflict '' and " integrity '' of the existing loan, for which I am the only one responsible and liable, in order to help my ex-spouse with the guidance of ex-spouse attorney to cause further big damage to my finance, credit history, job and major money loss. This mal-practice needs to be stopped immediately and I need fair compensation for their mal-practice and process. Thanking you in advance.
Product: Mortgage

We have two mortgages on our house, both originated when we got our house. Both my husband and I had not great credit at the time, now have mid 600 's for a credit score. The larger mortgage is a 30-year mortgage, with an interest rate of 6.9 %, the other is an interest-only loan with an interest rate of 11.49 % that we didn't realize had a balloon/final payment after 15 years. Both mortgages originated with XXXX, then were transferred to Ocwen, and we now have PHH. We have tried a couple of times to refinance our house but because of the horrible interest rates, we can never get far enough ahead for anyone to consider us. 

We have consistently paid 15 years on the smaller mortgage, paying in {$63000.00} on a loan that was originally {$30000.00}. The most recent payoff total for this loan is {$30000.00}, which means we have fallen behind {$210.00} after making 15 year 's worth of payments. I sent a message twice to PHH asking what our options are if we can't make this balloon payment, and both times I didn't receive an answer.

On the larger loan which was originally {$130000.00}, we have paid in over {$250000.00} and the approximate balance is {$120000.00}. So between the two loans we have paid in over {$300000.00} in just 15 years for an original amount of {$160000.00} between the
two mortgages.
Product: Credit reporting or other personal consumer reports

I was never late on this account XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX This is not mine XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have XXXX companies that refused to help and XXXX that not helped satisfactorily. 

1. I listed a wedding dress on XXXX XXXX for {$500.00}. ( Retail value {$2500.00} ) 2. XXXX XXXX convinced me she was a little old lady willing to buy the dress for {$600.00} plus pay shipping for someone names XXXX XXXX. 

3. I told XXXX that I would not send the dress without confirmation of XXXX XXXX of the payment in my XXXX XXXX. Through an elaborate scheme she impersonated XXXX XXXX through email leading me to believe that we both had to put money on the account and we could only do it using XXXX or XXXX. Her imposter was convincing. Im not stupid. Im highly educated and have spent my entire life on computers and the internet and she still got me. 

3. Needless to say, Im out {$500.00} through XXXX, which she took fraudulently through an elaborate XXXX XXXX email impersonation. 

4. Im out a {$2500.00} dress, which is in the mail currently ( Im trying like XXXX to get it back ). 

5. I ever received the {$600.00} plus shipping. 

I have all of the information well documented and I am happy to send in any and all of it. XXXX said they will look into it but arent hopeful that they can help. Chase said they refuse to help even though I used XXXX on their platform as they are a conglomeration. They wouldnt even let me document a complaint for posterity. XXXX XXXX told me they have nothing to do with it and dont care that someone is impersonating them. XXXX never got back to me about reporting. And so, here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account Elan Financial Service shows in collection, charged off bad debt. I do not have or never had an account with them. They have negatively reported on my credit report recently after a request to remove false information. It has caused me stress. I asked for original physical verification from them. They have never sent me original signatures information requested. This appears to be a stall tactic which has hurt my ability to obtain credit. Also they have purposely listed account is over the limit in retaliation of my request. They are purposely hurting my credit with false information about being over the credit limit. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified account be removed. Section 611 ( 5 ) ( A ) of FCRA - you are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at by mail at po box XXXX XXXX XXXX CA XXXX or XXXX XXXX
Product: Mortgage

There are numerous previous complaints I have filed with you regarding SPS ( SELECT PORTFOLIO SERVICES. 
Each time they claim they need only one document which I always email and have all records. 
Most of the time I'm on phone with an ombudsman representative ad sit on phone till they confirm they received what the wanted.Now they r violating federal law and DUAL-TRACKING my case. 
I HAVE EMAILED EVERYTHING THEY HAVE NEEDED COMPLETLY directly too XXXX   XXXX ( OMBUDSMAN ) each time and spoke to her on XX/XX/XXXX, when again they said only need explaination of my income which I did MULTIPLE TIMES. 
So XXXX  spoke to XXXX XXXX her partner in ombudsman than came back on phone and assured me XXXX WAS EMAILING FORECLOSURE DEPARTMENT WITH EXPLAINATIO THEY R LOOKING FOR and everything will be stopped. 
Well this past saturday I received documents that XXXX XXXX  XXXX filed all motions to get judgement and sale. 
They filed this XXXX DAY AFTER I TALKED TOO XXXX and was assured all was good. 
All weekend and yesterday I attempted too get this stopped. 
I sent email thru linkedin to XXXX XXXX ( XXXX OF OMBUDSMAN ) and also XXXX XXXX ( EXECUTIVE VP ) I SPOKE TOO OMBUDSMAN DEPARTMENT YESTERDAY XX/XX/2018 asked that the esculate and get me an email STATING THAT THE HAVE CONTACTED XXXX XXXX XXXX  AND advise too withdraw/dismiss all action by end of day today. 
As of XXXX TUESDAY morning I have not received any calls or emails from none of the above.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX  account ( Account # XXXX ). My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : 1. My payment history incorrectly reports late payments for XXXX, XXXX and XXXX, despite the fact that all payments have been made on time. 
2. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments.

Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Experian immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are reporting on my credit that do not belong to me. 

Incorrect Names : XXXX, XXXX, XXXX, XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX  ( Transunion ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( XXXX ) The following items do not belong to me ( Fraud Account ) - XXXX XXXX  ( Transunion ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX  ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX ) - Bal : {$21000.00} - XXXX XXXX  ( TU, XXXX, XXXX ) - {$52000.00} - XXXX XXXX  ( TU, XXXX, XXXX ) - {$36000.00} - XXXX XXXX ( TU, XXXX, XXXX ) - {$1300.00}
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer, and I am fully aware of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), including my right to privacy under 15 USC 1681a ( 4 ). This statement is being submitted by me, XXXX XXXX, and not by any third-party agency. I am attempting to resolve this matter directly and privately. Upon reviewing my credit report, I identified an account that is inaccurate and must be immediately deleted. The account in question is XXXX XXXX, Account XXXX : XXXX, with a date opened of XX/XX/year>. Equifax has violated my consumer rights under 15 USC 1681b ( 2 ), which governs the permissible purposes of consumer reports. According to the law, a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided Equifax or any other Credit Reporting Agency with written authorization or instructions to report this account. Reporting this information without my consent is a clear violation of federal law and the FCRA. Furthermore, this unauthorized reporting constitutes alleged identity theft, resulting in defamation of my character and causing significant personal and financial harm. This erroneous entry on my credit report has directly impacted my ability to secure a mortgage, leaving my family in a precarious and nearly homeless situation. The emotional and financial damages I have sustained due to this negligence are significant. I demand that Equifax immediately delete this inaccurate account from my consumer report. Additionally, I require a written response confirming the deletion of this account within 14 days, along with a new, updated copy of my consumer report reflecting these changes. Failure to address and resolve this issue will result in further legal action, as I will not allow my rights as a consumer to be disregarded.
Product: Debt collection

I am a XXXX veteran and have been having problems with Navient since they took over my 3 student loans. For several years I was unemployeed and this company XXXX me around with payments, deferrements and made it very difficult to get the paperwork from them. They did not recognize by Dept of V.A. XXXX docs and treatment records from the V.A. hospital. They have charged more interest than should have been charged on my loans. 

Now I am making payments and have been for several years. Most recently, this company refunded my monthly payment for unknown reason. The payment amount exceeds the monthly minimum payment. They have marked my account past due even though I have prepaid and paid more than the minimum.
Product: Credit card or prepaid card

XX/XX/ 2022 I have an inquiry that I did not initiate and did not approve on my credit report as an inquiry hard inquiry.
Product: Credit reporting

I have moved out the XXXX XXXX XXXX XXXX XXXX by the end of XXXX and did not own the balance of the account of XXXX. Please see the attachments for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : TransUnion It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. You also have incorrect names and variations listed, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
It seems that a new account not belonging to me is appearing every few days. 
There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

Correct Home Address : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX NC XXXX Accounts to be Removed : XXXX - Closed Charge Off - {$0.00} ACCT # XXXX XXXX XXXX XXXX - Closed Charge Off - {$0.00} ACCT # : XXXX Incorrect Address Info : XXXX XXXX XXXX XXXX, XXXX NC XXXX. 
XXXX XXXX  XXXX XXXX XXXX, XXXX NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

There was also several inquires that I noticed that does not represent a request from me. It needs to be removed as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I got a copy of my credit report and saw that my report included a collection for Receivables Performance Management for XXXX in the amount of {$4600.00} for an account that was opened on XX/XX/XXXX, i disputed the account and later was updated to show that it was opened on XX/XX/XXXX. I have never had an account nor applied with XXXX for any services. When i called Receivables performance to obtain information and dispute the collection, they asked me to verify my identity and provide them my information which i did do, they then repeated to me the information they had on file - the email address they had is not mine and i did not open the account nor did i authorize for any account to be opened in my name. I asked for information on the account, date time and location of where it was opened so that i could reach out to XXXX and investigate and was told they would send me the information to the address i provided at that time. I received a bill in the mail from them for this instead of a dispute or investigation. I was told that i needed to pay for a notary to notarize a statement and then go to the police department and open a police report for this. I have no information on the person that opened the account nor was i given any information to report besides what is on my credit file. i need this unauthorized account to be removed from my credit report and to be investigated. I also need information that i had requested previously for my records. I do not have any documentation or emails on this account and have been told i can't have it removed if i don't have paperwork- i wasn't even aware of it until i checked my credit this year. How do i dispute this invalid account?
Product: Credit reporting or other personal consumer reports

This company XXXX people over. The amount of negative reviews they received in XXXX  is astronomical. Thats a shame. They did want to respond to my last complaint so listed it as a duplicate. They keep changing how much is owed from {$11000.00} to {$12000.00} and vice versa. XXXX this morning dropped my score an extra XXXX point went it should have dropped no more after it dropped the XXXX points. I dont like the fact that credit acceptance has so much power over my score. I dont like how none of the bureaus are cracking down on them. They have 2 positive reviews on XXXX these people XXXX over thousands. Im highly thinking about starting class action lawsuits against them. One last thing this company has my name attached to XXXX XXXXXXXX car. I never signed any contract. And it seems they are harassing me. This account is fraudulent and I need my name removed from this contract
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly  DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

This account is showing XXXX different open dates a cross the bureaus on Transunion it is showing XX/XX/XXXX, XXXX XX/XX/XXXX and on XXXX XXXXThe high balance on Transunion is {$370.00}, the high balance on XXXX {$0.00} and the high balance on XXXXXXXX XXXX XXXX.On Transunion the Credit limit is {$100.00}, on XXXX it is reporting as {$100.00} and on XXXX it is report as XXXX XXXX.Last reported Date on transunion is XX/XX/XXXX, on XXXX XX/XX/XXXX, on transunion XXXX.The last active date on transunion XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. On Transunion shows no date of last Payment, XXXX shows no date of last payment, and XXXX shows date of last payment XXXX.Updating with the Charge off Status every month munipulating the statue of limitation on both XXXX and XXXX.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Transunion failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account : Account name : XXXX  Account : XXXX Enclosed is a Screenshot of my XXXX and XXXX Credit Report Providing proof
Product: Credit reporting or other personal consumer reports

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
CITIZENS BANK XXXXXXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CITIZENS BANK customer service representative.