23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting act 15 U.S.C 1681 and Fair Credit Reporting Act 15 U.S.C 1692. Source Receivables Management Account # XXXX have violated my rights. 

15 USC 1681 - States I have the right to privacy 15 USC 1681a 2 ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person that is making the report.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 USC 1691 a ( 3 ) - ( a ) ACTIVITIES CONSTITUTING DISCRIMINATIONIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1681n - ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX I am writing to formally dispute an inaccurate item listed on my credit report. After reviewing my credit report, I noticed the following error ( s ) that I believe needs to be corrected on all XXXX credit monitoring agencies TransUnion, Equifax and Experian  XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX - reported XX/XX/XXXX {$11000.00} - received letter stating the company adjusted balance from {$11000.00} to {$0.00} - no update as of XX/XX/XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXXXXXX XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in Chap XXXX XXXX  XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX Incorrect addresses are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identity theft, there is a credit card that is not mine on my credit report from Barclays Bank that is not mine which was Opened XX/XX/22. I called the bank and they will not close or freeze the account without the application ID. I had filled out an application for a XXXX XXXX card in flight XX/XX/22 and you give the application to flight attendant. The bank told me the card only has my SS and they need me to call XXXX. 
I have tried for 2 days and can not get a person on line only a recording that disconnects me eventually. I have spent hours trying. I called XXXX and they said I need a person at XXXX but how? I was trying to save them {$16000.00}, help!! 
There is an incorrect name on my credit report, I do not know if this is part of it, if I could speak to a person and have it removed.
Product: Mortgage

My original loan servicer XXXXXXXX XXXX sold my loan to Freedom Mortgage in XX/XX/XXXX. In XXXX my loan was approved for a forbearance program thru XXXX. I was able stop the forbearance and request a XXXX XXXX XXXX in XX/XX/XXXX. My trial payments started in XXXX. First 2 payments were made on time with XXXX and final with Freedom in XXXX. I was told then by Freedom that I would receive documents in the mail from Freedom in regards to my modification and to not make payments to the loan until that information was completed. It is now 5m later and I still have gotten no where with the modification. I call several times a month for updates and am always given a different answer. The first 2 months they stated there was a delay due to the number of modifications needed and accounts they had purchased. Then I was told they were working on items being sent out to me via fed ex. Last month I was told they had just received the approval documents from XXXX and that the underwriters should have information out to me shortly. Now today I called and being told they don't have a approval from XXXX and the underwriters are still waiting for that information. When asked to talk to a supervisor I was then put on hold for 20min and a rep came back to tell me that they don't have any documents in regards to a modification and a packet needs to be sent out to me and that I was not able to talk to anyone. A supervisor would call me back within 5 business days. All I want to do is get this loan cleaned up from the mess Covid made and start making my payments as needed. Every time I call it seems I'm constantly getting a different answer and things are going backwards with no end in site.
Product: Debt collection

In XX/XX/2020, I hired a copywriter who was persistently contacting me, rude, etc. Therefore I cancelled the relationship. I owed a balance and agreed to pay. The pandemic affected our business financially ( which was not why we discontinued ) but we notified that there would be a delay in payment. 

She hired an collector in XX/XX/2020. I notified them I was in the process of stabilizing my company financially, etc. and I would contact them once we stabilized. Repeated phone calls, emails, text messages ensued. Every week since XX/XX/2020. 

Finally, I was able to pay something however an emergency occurred and was unable to process payment. Again I notified them. 

I am currently waiting for another round of funding from the XXXX, the expansion XXXX. I notified them on my intent to pay once that went through. We have been waiting patiently during this process with the government. Again, notified them. Instead of listening they demand I pick up the phone when they call - which I am with patients as a doctor and am not able to just pick up the phone in a procedure. 

Not only that they call, text, email, call my office, leave messages, send text messages EVERY DAY since XXXX. After I have asked them to stop repeatedly and explained where we are with this case. This was a business account, yet they filed it on my personal credit. I have an XXXX XXXX. I am not a sole proprietor. I did not sign a personal guarantor. This is only a business debt and not a personal one. I explained that was not legal as well and they stated it depended on what state I am - actually not. I am tired of the constant harassments daily. I will pay the bill, but not under these conditions or in their time. We have all suffered from the pandemic- and I have communicated the entire time. I do not deserve to be treated this way. This is harassment.
Product: Credit card or prepaid card

I had a charged off credit card balance with USAA and I obtained a settlement offer. I mailed them the check for the settlement offer and the check was cashed on XX/XX/21. But, USAA is still showing on my credit report that I owe then {$710.00}. 

I specifically informed USAA that I accepted the settlement offer and met all requirements of the settlement and they cashed my check.
Product: Credit reporting or other personal consumer reports

The attached credit inquires were not authorized by myself for any permissible purpose or other reason. i would like to have these unauthorized inquires removed from all XXXX of my credit reports immediately. 

a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. THIS ACCOUNT HAS ALREADY BEEN DELETED FROM EQUIFAX AND OTHER DATA FURNISHERS. TRANS UNION CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW
Product: Vehicle loan or lease

On XX/XX/2021, I requested a debt validation letter from Experian and XXXX for a XXXX XXXX XXXX XXXX bank regarding a loan for a {$35000.00} car loan. Unfortunately, Experian and XXXX have yet to verify the account with my signature and owed amount to XXXX XXXX XXXX XXXX XXXX. Unable to verify debit in required to remove from credit report within 30 days of the requested date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead one thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to XXXX different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus XXXX Trans Union and XXXX or XXXX debts that they do no investigation on this is a violation of the fair credit
Product: Debt collection

These guys need a legitimate investigation not just asking them. Look at the reviews countless people who had balances of {$600.00} which were jacked up over {$2000.00} after this company purchased their debt. my account personal went from {$600.00} to {$850.00}. i reported them to you guys, included account details, then it went up even further now its {$950.00}. account has been closed for over 3 years. they've repackaged and sold debts that were paid and represent those debts as unpaid to purchasing parties. please investigate these guys. they call themselves lvnv but also seem to take payments as resurgent capital services.
Product: Debt or credit management

Payment amount is incorrect / address is incorrect/ to many names appear on credit report / I credit theft happen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have this fixed directly to Equifax and thru CFPB. I'm going to try XXXX more time and provide a lot of documentation along with this complaint. XXXX account number XXXX is reporting twice on my Equifax credit report. No one is reading my complaint. I know this because every response I am getting back validates the accuracy of the account. Accuracy IS NOT MY COMPLAINT!! posting it twice on my credit file is my complaint. I even received and response from XXXX directly that only addressed the accuracy of the submission. Not the fact it is on the file twice!!!
Product: Student loan

I have XXXX loans with Navient with vastly different balances. They will not let me pay separately on each loan when I make my payments. Meaning, I can not pay more for the smaller one to pay it off quicker, which is what i 'd like to do. I 've called them to ask why I 'm unable to designate my payments differently, and they claim it 's because they 've been consolidated. However, when my loans were with XXXX, I was able to do this and the consolidation status did not change. Further, customer service told me that I could pay separately if I were to mail in checks each month along with payment slips, and offered to mail a payment booklet to me. I have not received that booklet, and it 's been several months. 

The balance on my smaller loan is under {$3000.00}, and I 've been paying off it for years now, yet even though I 'm paying extra each month, the amount automatically allocated to this loan is minimal that the balance has barely moved, given that interest is still accruing. 

This has been very frustrating to me. I would like to be able to take charge of how payments to my loans are allocated. 

I attended XXXX XXXX University.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

On XX/XX/2024 I was told settlement would be XXXX then further in the call I was told he can not keep the settlement amount. Also refused to have a bill sent with the agreed settlement amount.
Product: Credit reporting or other personal consumer reports

XXXX ' XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To Whom It May Concern : I sent a letter to you disputing XXXX accounts as erroneous on XXXX certified mail, return receipt requested. I received notice in the mail that you received the dispute on on XXXX. It is now XX/XX/XXXX and I have not received a response from you. 

Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), you have XXXX  days to investigate disputes. If you can not verify the information within the XXXX  day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance to your timely response to this request. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from the debt collection company and sent back a certified mail correspondence asking for proof that they have the rights to collect this debt. This was ignored and negative impact was made on my credit score. I sent out a second correspondence by certified mail asking again for proof or documentation. I received a letter back where they claimed that I was claiming the debt is fraudulent and asking for a police report. This is an intimidation tactic and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$130.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Collection : XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance {$730.00} Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax Collection XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXXXXXX  ) XXXX Balance {$730.00} XXXX XXXX XXXX XXXX {$1200.00} Inquiries : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

XX/XX/XXXX : I mailed in six {$500.00} money orders ( total {$3000.00} ) to Rushmore Loan Services as additional principal payment. 

XX/XX/XXXX : Rushmore received my additional principal payment of {$3000.00}. 

XX/XX/XXXX : Rushmore claimed a portion ( {$500.00} ) of my funds was rejected but refused to return my money order. 

XX/XX/XXXX : After complaining to XXXX, Rushmore found the missing funds and apologized for mishandling my funds and credited my account with that {$500.00}. 

XX/XX/XXXX : XXXX case closed. 

XX/XX/XXXX : Rushmore then immediately removed {$500.00} from my account. 

XX/XX/XXXX : Called Rushmore and left message to customer services supervisor who I worked with all this time, but never return my call. 

XX/XX/XXXX : Called Rushmore and this time I spoke to a different manager and he seems knowing the problem and told me to call me back with two hrs. 

XX/XX/XXXX : No call back as of this date .... and my problem is never resolved ... and I'm tire of dealing with them, and need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

15 U.S. Code 6809 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX " validated '' the debt I disputed XX/XX/2023 for XXXX XXXX. I have NO IDEA what this is, where it come from and it is now affecting my ability to apply for a mortgage! They validated the debt with out anything I required ( within 30 days, the original signature on the contract ). XXXX and Equifax have not removed the debt either and it's been over 30 days so this should be removed on all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have 85 INQUIRIES on my credit report which were unauthorized. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 and XX/XX/2018 I wrote Experian about an account that is improperly and inaccurate and with old information. I have not received any response or that the account is deleted. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from Experian, a few days later I received the letter back because it was undeliverable. Experian is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my Experian Credit Report inaccurately. 

2. Given that the furnisher ( XXXX Loans ) has provided false information to Experian about me, and provided Experian with a false address, I am demanding that the item ( XXXX Loans ) they are reporting be removed immediately.