23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in XXXX XXXX chapter XXXX does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed with the firms on these alleged debts numerous of times and each time the company has came back with alleged verifications. In the correspondence letters they sent to me I've found numerous FDCPA violations including ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ).
Product: Checking or savings account

On XX/XX/XXXX Bank of America accessed my Business account  XXXX a {$35.00} NSF fee for a check that the institution did not pay. I called on XX/XX/XXXX to have the fee reversed and was denied. I asked why noting that this is not a practice and have never happened before, and was told by mangt ( XXXX I.D # XXXX ) that the account was not eligible, even though they agree that this has never happened before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX that said was opened on or around XX/XX/2016 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I uncovered inaccuracies within certain sections. According to the provisions outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the three credit bureaus to validate these accounts. Failing to validate these reported accounts as unverified information, without furnishing proof within the legally stipulated timeframe, is not permissible. The accounts listed below require investigation and correction due to erroneous reporting : 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: Debt collection

I had service once before with XXXX XXXX and the home i had moved to they was unable to connect my service. so i suspended my service all together. I then noticed months later that they were still taking the money off of my credit card. When i called them back in XXXX or early XXXX to resolve the issue and have them put the money back on my credit card. They refused to do so and still wanted to take money off of my credit card. so i then had to get my bank involved to get my money back from this company. So then they falsely put me in collection and when i filled and complaint against XXXX XXXX with XXXX they stated that XXXX XXXX was correct but put a statement on my credit. I have documents from XXXX XXXX as well as proof that this account was removed from my credit report in XXXX with the XXXX XXXX XXXX XXXX on XXXX XXXX. Then i have noticed on my credit report Credence Resource Manage, Credence Resource Manage XXXX, MI XXXX. File # XXXX was put back on my credit report. They are trying to charge me for the same account that was removed off my credit report. This is not my bill I have not received any type of documentation stating this was my bill and going on my credit report. When i did have my money pulled back from my bank they sent me a bill for {$210.00} that i did not owe them. But then they put {$350.00} on my credit report that was removed in XXXX. My bank also canceled my credit card i had on file with them because they was taking my money illegally. Also when i contacted you about XXXX if you look on my credit report it was remove twice.
Product: Student loan

I am requesting complete payment records for my student loan, specifically including all payments made prior to XXXX. My loan was transferred to my current loan servicer in XXXX, and the company claims it does not have records before XX/XX/XXXX. My previous servicer, Nelnet, states that they do not retain these records following the transfer. Additionally, the loan guarantor, XXXX, does not have payment records. Currently, the oldest payment record that my loan servicer has on file is from XX/XX/XXXX. 

I believe I paid off the loan in XXXX. However, the current servicer insists I still owe a balance, yet has provided no evidence to substantiate this claim due to missing payment information prior to XX/XX/XXXX. Without access to the full history, I can not verify the accuracy of the servicer 's assertions. 

I am requesting that these complete payment records be produced so I can verify whether an outstanding balance exists or if an error occurred during the loan transfers. I have contacted all relevant partiescurrent and previous servicers as well as the guarantorbut none have provided these records, which I believe should be available.
Product: Credit reporting

all XXXX cr bu are reporting bankruptcy in 2006, this was dismiss, i was never in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) ( 1 ) 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.
Product: Debt collection

TransWorld Debt Collecter. I spoke with them found out the debt was from XXXX XXXX, I physically went to my local XXXX XXXX asked about the bill for date given to Trans World XX/XX/2018. XXXX informed me I had NO service done on that date.And if I had XXXX would have paid it with my maximum owed of {$16.00}. I then called XXXX who informed me I had NO bills submitted in or around that date and the sum of {$570.00} is very high for ANY lab test done on me and my maximum bill would only be {$16.00}. 
I informed TransWorld of this and the 3 reporting Bureaus of this, but they still REDUCED my score 57 points and let stand TransWorlds claim without a physical bill from XXXX the original biller.
Product: Mortgage

The mortage is with Movemement Mort. We began a hardship in XX/XX/2018. We recv. a letter in the mail from the US treasury asking if we needed help. We reached to the State NC that helps with assistance. They referred me a local counseling company ( XXXX in XXXX NC ). We sent all paperwork and spike with via conference call. We made several attempts to contact the company just to get a follow-up, see if they needed any more information. ( once we finally get to speak with someone. They said they not could help because my husband find a job once he lost his other job. 

2. We started reaching out to the Mitigation department ( servicing Company ) Starting in XXXX We spoke with them and gathered all information and faxed to them. 48 pages Never heard from them. We called them back 3 weeks later, They stated that there were pages missing from the fax. The only got 10 pages not the entire 48 pages. ] b. We faxed once again, They stated there was bank statement that had a 2nd page and that we needed to fax again.

c. My husband at this point is concerned that because of what we look like they were at this point playing games. He proceeds to scan the documents in and email. 
d. XX/XX/2018 We both call the Mitigation department because my husband tried several times to make payments but they wont not take money. We spoke with there customer service Representative and first she started the conversation off with, We haven't recv. the information that we requested, but I do see the fax dated XX/XX/2018 and once we started asking about the XXXX fax she started to do a little coughing. It was very interesting conversation. She then stated that she saw the fax and that the young lady that handles mitigation has a not that she only got 3 pages. We have all copies of fax transmissions and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX/XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXXXXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX, 2025 I took a payday loan out from the XXXX XXXX located in XXXX, Kentucky, The amount due was XXXX which I have been doing for the last year. 
That day I was unable to make it to the store in time due to my job which requires me to travel sometimes all day. I called the store and asked XXXX if it would be possible to get an extension to pay it off. She called her manager and reported back to me she denied my request. In XX/XX/XXXX XXXX XXXX ran the check through my bank on XX/XX/XXXX and again on XX/XX/XXXX both transaction me XXXX in OD fees. I tried to get another loan with a different store and was told I still owe for another service. Apparently my account in the database at XXXX has not been released. I then had to pay XXXX XXXX a fee of XXXX and its still not clear for me to borrow. I have not had a XXXX to my name since XX/XX/XXXX. XXXX XXXX has been paid everything I owe them. I made 2 calls to the manager and she rejected my calls. 
My next payday is a long way from now and I desperately need this account cleared. 


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

I have a XXXX Bank credit card that is reporting my account is XXXX days late on the XXXX credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XX/XX/XXXX. XXXX. XXXX Bank has thru caused my credit score to drop over XXXX points due to their error. I have requested this matter to be properly updated and still nothing.
Product: Credit card or prepaid card

On XX/XX/2020 I initiated a promotion with my Bank of America credit card, for a direct deposit to my checking account at a 3 % transaction fee with no interest for 18 months. A month later, I utilized the remaining available balance on my credit card with the same terms, as I understood them. I am now being charged a monthly interest rate on the second deposit, in addition to the transaction fee I was charged to initiate this transfer 2 months ago. I called customer service to resolve my concerns, for which I was told that the terms of my promotion were not available for the second request and that I was now responsible pay those interest fees each month as it was not part of a promotion. There is no way on earth that I would have accessed any available funds for a 3 % up-front charge, to have a 20 % APR accrue immediately. The most that the customer service supervisor has been willing to accommodate this so-called misunderstanding is to the tune of {$42.00} as a one-time courtesy, while these illegitimate interest charges continue to accrue. I am otherwise a loyal Bank of America customer, that is extremely disappointed in this recent lack of customer service and willingness to correct such an obscene " misunderstanding '' to this predatory lending practice, which is also contrary to my understanding of the agreement and promotion that was available to me. I have asked for the supporting documentation of this transaction, for which I have been told that the only record is on my statement which arrives a month later. This is not what I agreed to, nor is it an ethical lending practice - in particular when I was misled to believe I was taking part in a promotion, as I had done on the very same account - with the same terms only a month earlier.
Product: Mortgage

I have had this HELOC for over 10 years. 

SLS servicing was sold to Shellpoint ( New Rez ) 2 months ago - this loan is an interest only loan. Typical monthly payment for the past 10+ years was XXXX a month. 

Shellpoint shows my payment at $ XXXX monthXXXX  called them to ask why the increase. Nobody could answer me. Tried to make a normal interest only payment to stay on time, they wouldnt accept it. Asked for supervisor multiple times. Supervisors were rude and said they couldnt tell me why my payment increased. 

Now I owe 2 payments at XXXX XXXX month. 

Very clear their accounting is off. I have never made a principle payment yet balance is not XXXX as it should be. They are applying principle XXXX 

When the loan was first in Shellpoints website, it said I hadnt made a payment since XX/XX/scrub>XXXX XXXX after complaining, they fixed that.
Product: Debt collection

I checked my credit report and I noticed some fraudulent accounts listed on my credit report I then proceeded to reach out to the credit report agency to fix this issue but they did not fix the issue.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account XXXX, Has Violated my rights. XXXX XXXX XXXX bank Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX XXXX Account # XXXX, Has Violated my rights, XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX has inaccurate data with addresses that I am not associated with, Has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. C 168Tc. ( 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 ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
XXXX also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

We had our mortgage through XXXX. We always paid on time.. escrow of taxes and insurance was included. Our mortgage was sold to Green Tree and unknown to us our escrow balance went to {$0.00} ... it was not as zero when the mortgage was sold.. the money is missing.. Green Tree then switched to Ditech.. we recently got XXXX letter from them saying we owed {$3000.00} in escrow.. when they were the ones doing the escrow analysis and we were paying what we were told to pay. They are confused. we cant get an answer from anyone. We paid our insurance this year to avoid escrow and they still are refusing to do another analysis to come up with our new payment.
Product: Credit reporting or other personal consumer reports

Please Remove the following Inquires off the credit report i never applied for anything with these compaines.
Product: Student loan

Hello, I had a 12 month repayment plan with NCS for my XXXX  loans / my checks was being garnished and then I was suppose to make 10 additional monthly payments for student loan forgiveness / now they  sold my student loan to another Company called XXXX. They continue to call me and my grandparents about repayment. And Im wonder why is that
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed writtenconsent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.