23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX regarding a debt they purchased from XXXX XXXX. I agreed to their terms, and began payments to them directly. My car is on its last leg, so I reached out to Portfolio Recovery to see if I could satisfy the dept early and upon doing so, have it removed from my credit. The associate assured me that yes, upon full payment, it would be removed. On XX/XX/XXXX I received a letter that my payoff was received. I recently applied for a car loan, and my application was denied. I use XXXX to monitor my credit, and discovered the collection account is still on my credit report, just as paid and closed. I reached out to XXXX and they suggested I contact Portfolio Recovery directly to request it being removed. I was advised that Portfolio Recovery does have the ability to remove a closed and paid account, however they are not in practice to do so, therefore, it will show on my report until XX/XX/XXXX. I understand they are under no obligation to remove this, I just wish they would have been honest from the beginning. Now, they are paid and this has ruined my credit.
Product: Credit reporting or other personal consumer reports

Several SCRA Federal acts have been violated. The time of having the card I was on a contractual assignment with the XXXX XXXX. XXXX is reporting incorrect information to third party credit bureaus damaging my financial reputation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within XXXX days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

Have an inquiry on my Report from this source called Jefferson capital systems for {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is being filed as the company failed to adequately respond to the XXXX  complaint regarding medical debt. 
The company is outside the law when it comes to reporting medical debt. They are not allowed to report medical debt until it is at least 365 days past due The provider of the loan is irrelevant as to the definition of medical debt The legal definition of medical debt is debt that arose from the receipt of medical services, products or devices. See attachments Debt that arose from the receipt of medical services can not be reported until its at least 365 days past due. 
After a life-threatening illness I was forced to have medical debt/ debt that arose from the receipt of medical services
Product: Bank account or service

Complaints [ Bank of America, Home Equity Line of Credit ( HELOC ) ] : ( 1 ) Numerous software/customer interface problems. 
( 2 ) After repeated requests, unable to obtain the " loan application '' referenced in the signed " Borrower 's Certification and Authorization, item 1 ''. In the same paragraph, item 1, it states that " I certify that all of the information is true and complete. '' ( 3 ) I was also unable to obtain the " loan '' details until just before closing, in which items unknown and never discussed were verbally communicated to me. 
( 4 ) After I gave them the ultimatum that " If I did n't get a copy of the loan application I would not close '', no more of my questions were addressed and they just wanted us to sign the closing docs. We never did and I am currently going through the process with other banks. 

Note : I have detailed information and content on all correspondence with the following contacts. 

Contacts ( telecons, emails, and CCs ) : - XXXX XXXX ( XXXX XXXX ), Mortgage Loan Officer ( evaded my email questions and always wanted to hand me to others ) - XXXX XXXX (? ), Chairman and CEO ( CCs triggered many responses and moved the process time from 6-8 wks. to 4 ) - XXXX XXXX (? ), XXXX XXXX 's manager ( no responses ) - XXXX XXXX ( XXXX ), VP, Fulfillment Team Leader - Consumer Lending Client Experience ( seemed very responsive, but stopped communicating after item ( 4 ) above ) - XXXX XXXX (? ), Site Operations manager ( I left a return call message, no response, and he later claimed voice mail issues ) - XXXX XXXX (? ), Home Services Specialist ( responded well, expedited process, good performance ) - XXXX XXXX ( XXXX ), Inbound Specialist ( the best customer experience that I received, actually seemed concerned and answered all of my questions ) - XXXX XXXX (? ), XXXX XXXX 's manager and Call Center Supervisor ( after discussing my loan app concern and ultimatum in items ( 2 ) and ( 4 ) above, she said she would get back to me with a resolution in two days, and she never did )
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report from XXXX, XXXX, XXXX. When I noticed some unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing a lot of stress in my life, which is resulting in a financial crisis. 

Some unauthorized inquires and accounts which are a result of identity theft. These accounts are also violating my rights as a consumer under the Fair Credit Act and Fair Debt Collection Act. I did not consent for the creditors or credit bureaus to report these accounts to my credit profile. This is Defamation of Character PLEASE DELETE AND REMOVE THE FOLLOWING ACCOUNTS LISTED : XXXX XXXX XXXX, 2023, XXXX XXXX, 2023
Product: Money transfer, virtual currency, or money service

WORLDREMIT is the merchant 's name this merchant wiretransferred money using my debit cards and credit cards in XXXX. 
I have reported this to XXXX XXXX and got my cards replaced after a XXXX, WORLDREMIT charged me again for the wire transfer on my debit cards and credit cards ( XX/XX/XXXX ) I have never used WORLDREMIT to send any money nor have account with this merchant. 
It is highly suspicious how they are able to trigger transaction again after my card number for debit and credit cards are changed. 
I tried to contact WORLDREMIT numerous times, however, my call was dropped by them every single time I was trying to contact their customer service. 
Therefore here I am reporting for their business for fraudulent activities
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors are in direct violation of my consumer rights and it's AFFECTING my character as I ambeing violated. Please remove these unknown items listed in this report ASAP or I will be force to pursueother options. According to 15 US Code 1681B I didn't give any permission to anyone or approval for mycredit to be assainated the way it's being attacked. This information isn't fair or accurate, in addition pleasedelete and remove permanently the address and inquires that is also in violation ADDRESS XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. THISINFO IS ALSO INACCURATE & UNFAIR ACCORDING TO 15 US CODE 1681B. INQUIRY XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX
Product: Debt collection

On XX/XX/2021, I got an email from Trident Asset Management that they were trying to collect approximately {$96.00} XXXX and change XXXX from a debt I had with XXXX. I called XXXX and I was told there is no debt. I used XXXX maybe 5 years ago. I checked my credit report and Trident Asset Management put it on my credit report. Please fix this for me. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Statute of Limitation on credit card debt and most other debt in New jersey is six ( 6 ) years ( It is four years for auto loans ) I have made a settlement payment to XXXXXXXX XXXX in order to deelete the account but it s still there years.
Product: Student loan

I had 4 student loans with Ed Financial. I have paid two off in full in the last few weeks, and I have two remaining, with a combined balance of $ XXXX. 

I went into my account to make another payment and I'm being told " I can not make a payment at this time. You currently have a XXXX $ balance ''. However, when I click on my loan details I still see two loans with a balance that are accruing interest daily. I also have my next loan payment due date of XX/XX/XXXXXXXX  that I do not want to miss because of this issue. 

I contacted Ed Financial by telephone today XX/XX/XXXX. I was told that because I applied for Borrower Defense, I am not in forbearance and unable to make a payment even if I voluntarily want to. I asked if they can help me fix this, they said no. I asked if I will re re-funded for the interest I accrue for the days I can not make payments, they said they do not know. 

I then called Borrower Defense, and they said this is untrue and that I am NOT in forbearance and that I must continue to pay. Furthermore, I'm concerned that I am not going to be able to make a payment online by XX/XX/XXXX, miss my payment deadline and hurt my credit score or get penalized in another way. 

I am extremely concerned that I am not able to make payments to my account and I need this to be fixed immediately by Ed Financial
Product: Mortgage

I am attempting to sell my current home and to purchase a new home. In XXXX of XXXX I entered agreements with both a buyer of my home and with a seller, to purchase a new home. I have XXXX mortgages -- my primary mortgage is with XXXX XXXX XXXX, and my second mortgage ( home equity loan ) is with Key Bank. I filed for a chapter XXXX bankruptcy in XXXX XXXX, and my mortgages, as is the case with nearly all bankruptcies, were debts that were not reaffirmed. Since I remained in my home, I continued to pay both my mortgages. In XXXX XXXX, for reasons that were not shared with me, Key Bank " charged off '' my account. I was not notified of this, but was informed only when I contacted Key Bank because I was locked out of my account on their website. The result was that there was no longer any payment plan, nor was there any interest ( i.e. any " voluntary '' payments were applied entirely to the principal ). Since the payments were " voluntary, '' and there was no payment plan, any payments I made were neither " on time '' or " late. '' I continued to pay Key Bank in monthly installments, but immediately adjusted the amount of my monthly payments to account for the lack of interest on the loan. This situation seemed bizarre to me ; as it was explained to me, Key Bank charged off the loan, but still held the lien. The lender with whom I am ( still ) currently attempting to get a mortgage commitment has been attempting to get certain documents from Key Bank since I went under agreement in XXXX. The lender was requesting a payment history and a " verification of mortgage. '' It was requested that this " verification of mortgage '' include the status of my payments ( i.e. no payment plan -- thus no " late '' payments ) because Key Bank stopped reporting to credit agencies in XXXX XXXX. All of this information has been provided by Key Bank verbally to my loan officer and the loan processor. The underwriters and the FHA require that it be put in writing. This is what Key Bank is refusing to do. After three months ( an open complaint with the XXXX, and a threatened lawsuit ), Key Bank did finally provide those documents, but the " verification of mortgage '' ( for which I paid XXXX dollars ) did not contain the information requested. The only information on the document was a payoff amount and a loan origination date. The buyers of my home have since opted out of the agreement because the mortgage commitment date has passed. Key Bank, and its refusal to provide requested information, is the singular reason I am unable to get this ( or any ) mortgage. As it currently stands, in addition to being unable to get a mortgage commitment, my home will certainly sell for an amount lesser than the original agreement, especially if I am in a more desperate situation to accept any offer ( because most mortgage commitments require that the current home is sold ). The closest I have gotten to getting a reason for this refusal to cooperate is Key Bank 's law firm ( a legal assistant named XXXX at XXXX ) indicating that Key Bank will do nothing that may help my credit rating.
Product: Debt collection

I requested from absolute resolution and XXXX my payment history and proof of the balance owed. I never received any information from neither. I was given the run around from both companies. I paid off this loan. I information reporting on my account is inaccurate. I don't owe this balance shown. I paid this account as agreed. This account should be removed from collection and marked closed and paid as agreed
Product: Debt collection

I received a dunning letter from National Credit Systems Inc. for an attempt to collect a debt. 

XXXX/XXXX/XXXX I sent them a letter requesting debt validation, and supporting documents that I aggreed to do business with there company. 

XXXX/XXXX/XXXX I received a letter from them, but they did not verify the debt or have any documentations stating that I agreed to pay there company and or did business with XXXXational Credit Systems XXXX/XXXX/XXXX I received a notification that this collection was placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are all in violation of my consumer rights. See the attached.
Product: Debt collection

Collections Company PHOENIX FINANCIAL SERVICE has been reporting negative information of a debt to XXXX credit bureau in which I do NOT recognize that I am the owner of this Debt of {$30.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts on my credit report that I have not authorized. The following accounts are : XXXX XXXX ( {$430.00} ), XXXX XXXX ( {$1800.00} ), and XXXX XXXX ( {$260.00} ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Method Of Verification Request To whom it may concern, I have repeatedly requested that you investigate the accounts below and provide me with any documents to support your reporting. As of today, you still need to supply such documents. 

Accounts : XXXX. XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX ( Late Payment ) I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by your agency in my earlier disputes. 
All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required. 
Written proof that you forwarded all the relevant information in my earlier disputes to the creditor. FCRA 611 ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report. 

I am keeping careful records of our communications in case I must file a complaint to seek relief and monetary damages under the FCRA Sections 616 and 617. 

After you've completed your investigation, please send the results to me via mail. 

Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 

My information is as follows : Full Name : XXXX XXXX XXXX : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian,   XXXX   and   XXXX   I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX ,  XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   XXXX       (   These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should b e DELETED., This is my second request and first request was sent certified so I kno w it 's been received it just was n't done.
Product: Mortgage

In XXXX of XXXX  Freedom mortgage sent me a notification that they did not have proof of my flood insurance. Within a week I used their secure message center and sent them proof of my flood insurance. They average XXXX calendar days to respond to any message. Each time they said they need proof of flood. I had my insurance company email them and I went in their website and uploaded proof. This went on for several months and the story changed from flood insurance to wind insurance. The wind insurance was also provided with the flood insurance. In XXXX they acknowledged I have never had a lapse in coverage while owning the mortgage. However they still charged me thousands for lender based insurance and increased my payments from XXXX to XXXX. They said I could pay it in full and my monthly payment would be XXXX but did not explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.
Product: Debt collection

Account number XXXX : I am writing to formally dispute the collection account referenced above. I have recently become aware that your agency has placed this collection on my consumer report without providing the required validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). 
Furthermore, have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of proper notice and validation is a violation of my consumer rights.

Your agency 's actions constitute the use of false, misleading, misrepresentation, and deceptive means in the collection of this debt. Additionally, your agency has no authority to furnish this account to consumer reporting agencies without providing the necessary disclosures required by law, which is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I request that you : 1. Immediately remove the collection account from my consumer report.2. Provide me with validation of the alleged debt, including but not limited to the original signed contract and a detailed account of the charges. 
Failure to comply with my request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Additionally, I will consider all legal remedies available to me under federal and state laws to enforce my rights. 
Please confirm in writing within 30 days of receiving this letter that you have complied with my request and have removed the collection account from my consumer report. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am filing a report regarding what seems like a scam by National Credit Systems. A debt of {$54.00} was submitted to this agency in 2013. I have attempted to pay it several times now. Their representatives have given me false information regarding the payment of this debt. I have verified it is false information by calling XXXX directly. NCS agents have advised me NOT to make the payment, in fact they have refused altogether. I was told that if I paid the {$54.00} it would NEVER go off my credit report. This is false. They have asked for additional money $ XXXX {$5.00} to file a dispute on my behalf. This is not how a collection agency operates, which makes me believe there is something illegal going on.
Product: Debt collection

Debt recovery solutions is the debt collector, the original owner of the debt is XXXX fire and rescue. The date of service is in XXXX of XXXX, I had XXXX which became available in XXXX. I called and tried to explain to them about my insurance. The company gave me the run around I have disputed this claim five times to no satisfaction. When I did speak to someone they gave me XXXX number to do their footwork. XXXX said this company did not take out a claim towards my insurance for XXXX $ in XXXX of XXXX which they should have I presented the ambulance workers my insurance card etc so Im not understanding why they did not charge my insurance I tried to mediate with them to no avail and now they are after me about it I have had problems with the ambulance company. I called XXXX fire and rescue billing department last time it occurred but I wasnt aware they didnt send it thru until it showed up on my credit report last year and the date of service was in XX/XX/XXXX XXXX