23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 I attempted to collected information on XXXX accounts with " National credit system Inc " that posted on my XXXX XXXX. I called in at XXXX cst and Spoke with an agent " XXXX XXXX XXXX who I requested a Debt validation letter to be sent to me he refused and began to get agressive and irate and yell and tell me that I will not get a letter unless the debt was paid. I then informed him that tha was illegal and that I have the right to request for a letter as stated in the FCRA he continued to yell and cut me off and not let me speak then hung up on me. I have reported him to his supervisor by leaving a voicemail at XXXX cst as well as requesting for a follow up. This behavior from the XXXX XXXX  who represents the company makes it difficult for me to get my credit score corrected and has affected me in more ways physically and emotionally and nobody should suffer or have to deal with difficulties when trying to correct or solve their credit debt.
Product: Mortgage

loan care mortgage took over my loan from XXXX on appx. XX/XX/12019 since then i have had nothing but problems with them. newest problem is they lost my payment of XXXX i sent to them on XX/XX/XXXX cashiers check to exact address they said. now they said i sent to a p.o. box in wrong state. I cant get a hold of them .you wait over hour to talk to a totally uniformed agent, who will hang up on you as soon as you ask a question they cant answer. i am XXXX years old and worried they are trying to steal my home. please help.
Product: Mortgage

Closing with RoundPoint Mortgage was incredibly frustrating. On closing day on XX/XX/2022, we were very close to not signing the papers as the down payment, monthly mortgage amount, and credits due back to us all had changed from what we originally discussed with them and from the closing disclosure that was provided to us a few days prior. They were lucky that we still qualified for the loan as they had increased the mortgage amount drastically and I was fighting for the house as I did not want to go through the home-buying process again and get a loan with a higher rate ( as they are increasing constantly ). On the initial disclosure, our mortgage should have been {$3600.00} with {$60000.00} down ( including closing costs ) and with a {$4800.00} lender credit. In the closing disclosure provided to us a few days before closing they changed it to {$3800.00} monthly mortgage, {$63000.00} down and {$4700.00} lender credit. When my husband and I found out about this increase, especially in the monthly payment as we originally told them our budget is around {$3500.00} a month, we complained to RoundPoint and they mentioned that they messed up the calculations with taxes and the they were sorry for the error. Apologies were all that we got, no other financial rectifications. I let them know that this is not a small error as this loan is over 30 years and it's a big increase in monthly payment. I also mentioned to them that I better not go to closing and find another increase, and guess what happened, we had totally new numbers that we saw only when we sat down to sign papers at closing. The final numbers were {$3900.00} per month, with {$64000.00} down payment and {$25.00} in lender credits. We felt like we just got scammed- the closing process took 5 hours as we were very upset and we had to run through the numbers with them multiple times so we understood where our money was going and where the lender credits that were promised to us were going. It was possibly one of the worst days of our lives as we had worked very hard to get to the point of purchasing our first home and the experience was an absolute nightmare. Not to mention that they had switched banks in the middle of us applying for the home and by the time we applied with their new bank interest rates had gone up so we lost out on that as well - along with multiple hard credit pulls for the same house.
Product: Credit reporting

I have several items on my credit reports that have been disputed with XXXX, XXXX, and Transunion. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the originalcreditor directly.Iam concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report.Irequested an investigation because Ifelt the items were not being reported legally.Ihave since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3.XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- # XXXX 10. XXXX- # XXXX 11. XXXX/XXXX ) XXXX- # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

No matter how hard I tried on the phone it would say I tried too many times and stopped and on line after answer all questions to the best of my ability it would not continue after that, just stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did 2 hard credit checks on me XX/XX/XXXX and XX/XX/XXXX without my permission. I thought that was against the law
Product: Debt collection

This Company : Plaza Services, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX ) Appeared on my credit report, I disputed the validity of this account because Ive NEVER received anything in writing from this company. 

I once received a cryptic text message that did not include my name or any personal information. I called the number and a man stated he represented an old account of mine. I requested that his company make contact with me in writing via US mail with a debt validation letter. 

It has been 4 months since then and I have yet to receive any written correspondence from this company and when I disputed this entry on my credit report as fraudulent ~ it was not removed or updated. 

Since Ive never received anything in writing, I do not have any further identification markers for this entry. The information Ive provided above is as it appears on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was fraudulently applied for in my name as a minor and has negatively affected my credit please have that item removed from my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax, XXXX, and XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for XXXX from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received on XX/XX/XXXX XXXX payment from my tenant ( at the time, is now evicted ) a payment towards XXXX rent of XXXX through Venmo... Unaware, until venmo took the money BACK FROM ME... and gave his his money back?? I'm beyond words, angry ... .HOW COULD THEY DO THIS ... which resulted in my account being negative on which I had to repay the XXXX to get my account in positive status... I want my money back... they had absolutely NO RITE TO TAKE what little money he did pay me BACK?????? I'm reaching out because I'm lost... Sad.. And I need help, they basically stole my money and I want it returned please.Thank you
Product: Student loan

OnXX/XX/XXXX, I went into Chapter XXXX Bankruptcy. My School loans which was then serviced by XXXX XXXX, had a balance of {$12000.00}. During the 5 year Backruptcy, the trustee made monthly payments totaling {$7300.00}. I received a notice on XX/XX/XXXX from Navient, that I still owed a balance of {$10000.00}. My interest rate is 8.25 %.
This is the information from the National Data Center 's Claim Summary. I will attach these documents as well.
CREDITOR INFORMATION Creditor Name XXXX XXXX XXXX
Mailing Address ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Contact Name EXT # XXXX Phone Number ( XXXX ) XXXX CLAIM AMOUNTS Claim Amount {$12000.00} Scheduled Amount {$12000.00} Monthly Payment {$0.00} Principal Paid {$7300.00} Principal Owed {$8.00} Principal Due Amount {$0.00}
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently requested and viewed my consumer credit report and disputed an items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission which is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION NPI. TransUnion, XXXX, XXXX nor XXXX did not have written consent to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants TransUnion, XXXX, XXXX or XXXX lawful authority to share my NON-PUBLIC PERSONAL INFORMATION with third party entities. If TransUnion, XXXX, XXXX or XXXX can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, TransUnion, XXXX, XXXX and XXXX must Delete account immediately.
Product: Credit reporting or other personal consumer reports

EXPERIAN, is reporting information on my consumer report that is illegal. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX accounts present on my consumer report are all companies that are federally obligated to cease furnishing of any information on me, XXXX XXXX, to any consumer reporting agency. ( I've attached proof below ) EXPERIAN must delete and update the referenced information to avoid breaking any federal laws and avoid being brought into arbitration proceedings. EXPERIAN has 4 days of receipt of this complaint to comply. ALSO PLEASE UPDATE THESE INCORRECT NAMES AND NONMAILABLE ADDRESSES : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX XXXX in reference to an alleged debt with XXXX XXXX. I called XXXX XXXX XXXX and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by XXXX XXXX XXXX, and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX XXXX Police Dept. This is not my account, I want it deleted from my Transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. Experian is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against XXXX  with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on Equifax for the same thing, I also filed a complaint with the IL Attorney Generals office against XXXX  for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and XXXX, XXXX  and Equifax are complacent in this fraud.
Product: Student loan

Navient is using XXXX as their debt collector. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( Transunion, XXXX, XXXX  ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Agency 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 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, 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.