23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit report lists " attorney fees '' and this is not an attorney fees account, it was a company who we used for our Company, XXXX, to collect credit card payments. 
We had a client who returned our motor home late, damaged the motor home, and then did not want to pay for the rental or damages. 
The original date that the collection was recorded was XXXX/XXXX/2011 to the credit bureaus. 
This was a fraudulent charge back situation to our company whereby we submitted a lot of information to the credit company including pictures and our contract and yet they still honored the charge back. This is not our problem, as this company charged back the amount requested by the consumer and we had to contact them to find out why. 
Please see attached credit bureau page where it showed that the original collection was XXXX of 2011. 
I believe legally this now has to be removed from my credit as it has been 7 years. 
Thank you.
Product: Credit reporting or other personal consumer reports

WHILE CONDUCTING SOME RESEARCH INTO MY BACKGROUND FOR MY SECRET CLEARANCE APPLICATION AND ALSO CHECKING INTO POTENTIALLY BUYING A HOME IN THE NEAR FUTURE I LEARNED OF SEVERAL UNAUTHORIZED INQUIRIES AND SOME INQUIRIES THAT WERE WRONGFULLY HARD QUERIES. ATTACHED IS A PDF WITH LISTING I'VE CREATED TO INFORM THE CFPB OF INCIDENTS, DATES AND COMPANIES... 

XX/XX/scrub>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 Not Authorized : soft inquiry was supposed to be conducted .... 

XXXX XXXX XXXX XXXX XXXX XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Not Authorized : soft inquiry was supposed to be conducted : in reference to auto loan .... 

XX/XX/year> XXXX XXXX... 
XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  Not Authorized : soft inquiry was supposed to be conducted ....
Product: Credit card or prepaid card

I made the payment for my Chase account on XXXX of the post minimum plus additional monies, for a total of {$150.00}. On XX/XX/XXXX I noticed that the accounted indicated I missed the payment and had been charged a late fee and I then reached out to Chase. I received a response on XX/XX/XXXX that they do see the payment, that the late fee would be reversed, and that the payment will show on the account. 

I checked my Chase account on XXXX and saw that the late fee was removed but now I had a past-due payment. I called on XXXX and was told that the payment was made " too early '' and was posted to the previous billing cycle even though I had a minimum payment amount for the billing cycle in question. I was told there was nothing that could be done and that I was just asking them to " lower my balance ''. I made a payment on XXXX to bring my account current.
Product: Mortgage

In XXXX 2020, PHH Mortgage issued property tax payment to XXXX County from my escrow account, as per usual. The amount paid was in excess of the amount due. On XXXX XXXX, 2020, XXXX County Treasurer 's office issued a refund for the overpayment amount, {$770.00}, which was sent back to PHH Mortgage to be deposited back into my escrow account. 

I have contacted the mortgage company multiple times to find the status of the refund, as I do not see it credited to my escrow account. The mortgage company states that the payment has not been received, but also that a third party company handles escrow accounts. With each contact I make to PHH, I am told that they are researching where the payment is. I have also contacted XXXX County Treasurer 's office, who state that the check was cashed. 

PHH has received the money, but seem to have lost it, and after multiple attempts to get assistance, it has been 7 weeks since the refund payment was sent, and PHH has yet to apply my money back to my escrow account.
Product: Student loan

My son attended Univ of XXXX for 1 1/2 years in XX/XX/XXXX-XX/XX/XXXX. My Parent Plus loan is {$65000.00}. ( His

is {$10000.00}. ) He left that school for failure to provide a useful education. Navient agreed to wait until he graduated from the school he transferred to for payments from me. I am broke and on the verge of bankruptcy. I requested Income-based repayment or some plan that will defer the start of my payments. Navient sent some unintelligible documents to me -- seriously, I have no idea what they mean. The upshot is that my payments start now and are {$390.00} per month. I simply do not have the money and need a deferment. Navient seems unresponsive to my request.
Product: Debt collection

Navient has written off my private student loans as a loss. They continue to misreport the loans on 8 separate trade lines each month. 

I have written to Navients supposed attorneys who contacted me but I dont believe they were a true law firm. I requested copies of my original promissory notes to determine if I owed them as much as they say I do. I have received no response to my requests and they continue to illegally report 8 negative accounts with them. 

If they cant provide me with proof that they own my loans and the original promissory note terms these trade lines must be deleted. If they have written off these loans than they need to eliminate these trade lines. 

I also was threatened on a recorded line by a supervisor to an employee named XXXX XXXX. She was XXXX in ethnicity and asked me what my employer would think if they knew I had a defaulted student loan. Navient also sent fax requests for information to my employer when they had no legal basis to do so and I specifically told them not to contact my employer. 

Navients behavior and false reporting is causing my credit score to remain low and I can not buy a house. Please investigate this corrupt operation.
Product: Debt collection

I have a complaint with CBCS. I was looking on my credit report ( earlier this year ), seeing that I had a outstanding balance from them of XXXX. My first attempt on XX/XX/2019, sending them a certified validation letter which they recieved on XX/XX/2019. I have not recieved a responce back from this company and its been more than 30 to 40 days. I never lived at the address they are saying I lived at, in XXXX. I have never had electric in my name and dont know where this company came from on my reports. I would like to see this removed off my credit reports.
Product: Debt collection

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the
date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Product: Credit card

On or around XXXX XXXX, 2016 I cancelled a Capital One credit card due to fraudulent charges. On XXXX XXXX, 2016 the same merchant fraudulently charged the same account ( which was closed 25 days earlier ). I followed Capital One 's advice on said cancellation but they failed to protect my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Debt collection

They call every XXXX days threatening me that i commuted bank fraud and if i do n't call they are going to prosecute me. I returned XXXX call and the lady on the other line told me " i have XXXX leans and XXXX judgments against me and good luck in court you loser ''. I told her what they are doing is illegal and she hung up. I have the last msg they left me XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  XXXX does not report to credit agencies. I have not gave permission to any agency to report bankruptcy on my credit report. Experian, XXXX, XXXX all have violated me by placing this on my report. I have been denied credit because of this. The Bankruptcy Court is not responsible for credit reports and does not have any control over your credit report. I have tried to disputing this with the above credit agencies but have not had any luck.
Product: Debt collection

Sullivan & Terranova and XXXX are continuing to threaten to garnish my accounts on a fraudulent Judgement. 
I received a letter in XX/XX/XXXX from Sullivan & Terranova demanding payment on a Judgement that I did n't even know existed, I had no knowledge of this Judgment, and XXXX with Sullivan & Terranova was the one to send me the letter. I contacted XXXX to find out more information ; it was then that he informed me that there was a judgment against me in California in XXXX. I explained to him this was the first time I was informed and asked who the company was that was claiming this debt against me, I explained to XXXX that I never had knowledge of this claim since it was never on my credit report nor had I received any letters to give me an opportunity to dispute the debt as I learned after calling and speaking with XXXX bank to get more information, It was then that I learned that this credit card debt they were claiming I owed was in fact a fraudulent account and this was not my debt. XXXX Bank told me they had no records nor any contracts for this claimed debt signed by me, XXXX bank informed me they sold the fraudulent account to XXXX. 
Sullivan & Terranova continues to ignore that fact that, this is a fraudulent claim and continues to threaten Garnishments and demanding payment. 
Recap, a fraudulent credit card debt placed for a judgement in XX/XX/XXXX, I was NEVER notified to be given the chance to dispute, account was never opened or signed any contracts by me. 
Sullivan & Terranova ignore this and continue to threaten garnishment.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by XXXX. 
Late payments were reported for XX/XX/year> by XXXX and Experian. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ).

Proof supporting the claim of late payments, including specific dates, amounts, and communication.

Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act.

If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and report instances of identity theft that have impacted my credit report. Upon reviewing my credit report, I discovered unauthorized account and activity that is a result of identity theft. I request your immediate assistance in rectifying this inaccuracy and securing my credit profile. 

Below is the details of the fraudulent account : XXXX XXXX XXXX XXXX. 

I request that you conduct a thorough investigation into this account and remove it from my credit report immediately. Failure to do so may result in further damage to my credit score and financial well-being.

Please provide me with written confirmation once the investigation is complete and the unauthorized account has been removed from my credit report. I also request a free copy of my updated credit report following the resolution of this matter.
Product: Student loan

couple years ago I went online to view options for student loans. I ran across sallie mae as an option. I went to website to view options. I have never actually took out a loan with company and never received any funds from company. They started harassing me daily and took money from my taxes and now my finical aid is on default while I am trying to further my education. may you please help me so that I can start school and get these scammers off my back! thanks
Product: Payday loan, title loan, personal loan, or advance loan

Two months ago I paid a large payment IN ADDITION to my normal monthly payment as instructed by customer service. I called them in advance to determine how to make a payment to pay down my principal balance. Most personal loans I've had allow you to dictate where your extra payment goes. I specifically asked if I could pay down my principal, I just want it to go against principal - and the customer service agent stated that it would if I made it the same day as my normal payment ( which goes against interest and principal ). When I made the payment, my principal balance did indeed reflect the additional payment of {$750.00}. But a week later, I saw that NetCredit recalculated the payment split and showed only 300 going to principal. I reversed the payment and NetCredit showed my principal way higher than it was before I made the extra payment! That is not correct. I made my payments as agreed. Interest was already paid that was calculated at the beginning of the loan. My extra payment, paying more than {$400.00} in interest means that the next several payments, MORE should be applied to principal because I've paid at least 6 payments worth of interest in that {$400.00}. NetCredit did not agree and said, they determine the split and they determine how much goes to interest owed. 
Again, I NEVER paid the extra payment, NetCredit would not have received EXTRA interest paid. You can not charge me more interest than you would if I paid every month on time through the life of the loan. And you should not take advantage of a hard-working XXXX XXXX XXXX trying to better her credit and credit standing. I tried to request that NetCredit send me everything that showed how they calculated what goes to interest and what goes to principal each month and show me how my payments were distributed. They first sent me gibberish, and then they finally sent me the amortization schedule. But the amortization schedule DOES NOT match the actual payment schedule. Nor do the principal balances on both documents match and they should! I also have the right to pay toward principal only and not pay the company additional interest they are not entitled to earn off of a " PRINCIPAL ONLY '' payment! 
This type of process is predatory in nature and does not allow the consumer/borrower in good faith to pay this loan earlier. Period.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$83.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA .
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

It has been well over 30 days since complaining about errors on all XXXX credit report for XXXX XXXX for inaccurate markers, as well as with XXXX XXXX in regards to XXXX that contains bills once removed and then readied from my deceased sister XXXX XXXX, and a former tenant XXXX XXXX, in a former rental property in PA, and information still remains on my report although inaccurate. In addition I was the victim of identity fraud and utility services were used by someone unknown. This has been a total nightmare and to have to deal with inaccurate credit as a result of this devastation, is a lot to handle. 

XXXX XXXX continues to report inaccurate info is still being reported even when I am current on my payments, and a paid of account as of XX/XX/2021. XXXX also without my authorization pulled my credit multiple times without my permission, causing inaccurate inquiries, lowering my score. 
I have requested for at least 5 months, sent in XX/XX/2021, to all three bureaus to remove inaccurate info, and they have not. Equifax in particular is non responsive to my credit error issues, after repetitive calls and and letters. Also complaints through XXXX parties such as subserved serviced with XXXX and XXXX XXXX sent disputes. Please assist me with getting these 2 item removed as it is hurting me in getting a home with this inaccurate information on my reports.