23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Contact made on XX/XX/2021 to set up payment plan. When I stated that I was not able to pay full amount and would like to set up a payment plan they became completely irate demanding that I pay full amount with a credit card. Stated that they would take full payment for deleting off credit but would not. Provide any proof of this. They threatened to ruin my credit and garnish my wages.
Product: Credit reporting or other personal consumer reports

Thank you for your quick response with the first dispute. This is a continuous of that. While you addressed one thing you completely ignored the rest. 

Again, I do not know you. I dont have a signed contract with Transworld Systems Inc XXXX Please reply with a signed contract between me and Transworld Systems Inc. Please reply with a purchase agreement. Please. Reply with certified mail receipts for the notices that you were supposed to send before reporting to my credit report.Reply with any other document you have pertaining to the alleged debt Again this is a continuous of the first dispute and Im asking for *proof of a signed contract between me and Transworld systems inc XXXX 
* The purchase agreement * Proof of required notices sent out before you report
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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 a Account with my written instructions.
Product: Credit reporting or other personal consumer reports

Litigation for fraud filed against XXXX approx 6 months ago. Around this time XXXX XXXX refused a phone payment stating account holder " is in litigation ''. Then XXXX XXXX stopped sending the customary paper statements that account holder received monthly using those to make payments. Account Holder could no longer access account online. Account hold has never signed up for auto pay or paperless billing with XXXX XXXX. Account XXXX requested several times a copy of statement and asked for account status in past 6 months calling in to XXXX 's customer service line. XXXX never informed of any account status or balance and never sent statements. XXXX XXXX has reported account holder30, 60 and 90 days late to Experian and account holder believes XXXX XXXX and Experian violated regulation F as well as FRCA because account holder has never received statements informing of these delinquencies nor ever gotten any verbal communication from XXXX XXXX in an attempt to collect a debt. This has caused much emotional distress and financial distress to the account holder. Experian has been made aware of the situation and continues to report the delinquency.
Product: Mortgage

Iwant any money I am owed by wells fargo im the ongoing lawsuit against them
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am disputing the validity of the charges and collections on my account that were submitted by XXXX XXXX XXXX. 
In XX/XX/XXXX, I approached the front management at XXXX XXXX XXXX apartment complex to inform them of my move-out. They advised that the move-out was permissible and I would only be responsible for rent until the apartment was filled. I paid rent for the month of XXXX ( XXXX ) ; and per the XXXX XXXX XXXX front oIice, the apartment was then filled on XX/XX/XXXX. 
Around XXXX of XXXX, I received a bill from XXXX XXXX XXXX that I owed an amount of {$10000.00}. I attempted to reach out to the XXXX XXXX XXXX XXXX multiple times via email and phone to dispute that these charges were not valid per the agreement with the XXXX XXXX XXXX apartment management. They were not receptive or responsive to these attempts at communication. I was finally able to speak with the XXXX XXXX XXXX leasing oIice in XXXX of XXXX, and they reached out to XXXX XXXX XXXX to confirm that the charges {$10000.00} were inaccurate. However, I received another bill from Rent Recovery Solutions shortly thereafter that my amount due was now {$1500.00}. 
I am disputing the validity of the charges from XXXX XXXX XXXX and XXXX XXXX XXXX due to their record of arbitrary charges and inability to provide documentation verifying amounts owed. I have made multiple attempts to reach XXXX XXXX XXXX, including both written letters and phone calls ; but I have not received any communication in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax account is reporting my car loan as closed when has been open since XX/XX/2015. I have disputed 7 times, called the creditor who agrees with me and states they are not reporting it as closed, and Equifax keeps " investigating '' then closing the investigation without fixing that account. My Equifax score is 100 points lower than my XXXX and XXXX scores because of this mistake. I have called Equifax and they don't understand the issue.
Product: Vehicle loan or lease

On XXXX XXXX, 2019 I signed a contract with Consumer Portfolio Services ( CPS ) for a car loan in the amount of {$7700.00}. I have uploaded a copy of the loan agreement. During the entire life of the loan all payments were made on-time and without any delays. As a matter of fact, at times, I made payments ahead of schedule and tried to wlways be at least one payment ahead of schedule. I have uploaded copies of the first months of payments. 

However, is now reporting to CRA that starting of XXXX 2019, I was late making my payments on time, and was late from XXXX to XXXX days on my payments. 

However, As I sisgned the contract on XX/XX/2019, and having the first due payment on XXXX, 2019, it seems very challenging that before I made my first payment in XXXX of 2019, I was already late XXXX  days. 

This representation does not make sense and needs to be corrected immediately as it is affecting my ability to obtains credit and forces me to be charged higher than usual interests for loans.
Product: Debt collection

The date for one of the charges will be XX/XX/2017 the company name is PDQ. The amount is XXXX dollars. I wasnt aware that I owed for an apartment that the management time had the keys to and I no longer was in possession of this property never had a physical lease with this rental lady either, but she was able to still place this on my credit. To top that off she leased another apartment to me in the same complex.
Product: Mortgage

To whom it may concern.Ocwen changed its name to PHH mortgage.Several issues.My account can not be located online but I recieved written correspondence Noone available via telephone.Payment not applied..I use online billary via my financial instituation therefore payments can be tracked.Mortgage amount is not the same as under Ocwen.No available mortgage identification number can be located on the internet.Thank you.Sincerely XXXX XXXX
Product: Student loan

I keep asking my student loan servicer to send me a copy of the original promissory notes on each of my Federal loans ( my copies were stolen out of my home ), and the loan servicer has only provided copies of the promissory notes for XXXX loans - there are XXXX other federal loans that they service for which they will neither send copies nor explain why the copies have not been sent. I 've been attempting to get these promissory notes since XX/XX/2015.
Product: Credit card or prepaid card

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account that's on my credit report that is reporting information that should not be on my credit report. This has been holding me back from applying for new lines of credit. XXXX and TransUnion ARE BREAKING MULTIPLE LAWS. I have disputed this alleged account with XXXX and XXXX on XX/XX/2021. XXXX XXXX TransUnion are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave anyone any written consent to report anything on my consumer report. NO CONSENT is indeed identity theft!! Additionally, they are also in violation of another law. These bureau 's are also in violation of U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave ANYONE any written consent to transfer, or use, without authority, a means of my identification. NO CONSENT IS INDEED IDENTITY THEFT. I demand to see an affidavit singed by an XXXX or XXXX supervisor or executive detailing where I gave XXXX or XXXX written consent to transfer my identification. I have tried relentlessly to remove these accounts with the credit bureau and they have failed to remove the information they illegally furnished. I will not be extending my credit report to anyone if this can not be resolved
Product: Student loan

I have tried to make a payment to Aidvantage twice now. Once on XX/XX/2023 for the amount of {$54.00}, I received an email from the company stating that the payment was submitted and my loan balance returned to XXXX  after receiving an email stating that the payment was posted on XX/XX/2023. However, the payment was never posted to my bank ( XXXX XXXX  ) and a few days later the payment was reversed and my loan balance returned to the original amount. 
I attempted to pay again on XX/XX/2023 for the same amount and was met with the exact same problem after receiving the " payment posted '' email on XX/XX/2023 At this point the company is going to place me with a past-due balance even though I have the money to pay them. I've noticed that this had been a problem for multiple people with the same loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have new information regarding an open complaint CFPB COMPLAINT # XXXX I received a letter in the mail today XX/XX/XXXX. Letter dated XX/XX/XXXX. This consumer reporting agency will not honor my request on a reinvestigation. Experian is telling me the information have been verified. I demand the following information ( name, phone number, and address ) of the person that verified this account and also what information was given to verify these accounts. 
Experian is telling me to reach out to the furnisher. I have the right to get a description of procedures pursuant 15 USC 1681I ( a ) ( 6 ) specifically ( 6 ) ( b ) ( III ). I demand this information immediately. This information should have been sent 15 days from the request pursuant to 15 USC ( a ) ( 7 ). Just a reminder you only have 30 days to investigate this situation, or it must be deleted. Only I can extend it. Which in this case I WILL NOT. You are using a stall tactic to prolong this situation. You are running out of time. If you need a little guidance on the time frame you have refer to 15 USC 1681I ( a ) ( 1 ) ( a ), ( b ), and ( c ). I will not do your job for you.
Product: Student loan

I Graduated from XXXX college in XXXX owing XXXX worth of student loan, I paid back, and struggled through a divorce and every time I would call Navient, ( Sallie Mae transferred my loan to them ) I was told to just take a forbearance. I filed bankruptcy in XXXX, and paid XXXX toward my loan and was told when I got out in XXXX I still owed, XXXX. I don't understand. I paid on these loans I wasn't always in a forbeance or deferment. But I cant get no help to figure out where the money I paid went. I also have worked at a place that qualified for loan forgiveness, but I am being told that none of my payments until I had enough and switched to XXXX XXXX qualified for loan forgiveness. I need some answers and no one seems to want to help me.
Product: Debt collection

Lvnv Funding unlawfully acquired my personal information from a nonaffiliated 3rd party without my consent or a court order. They are furnishing negative information to my consumer report which damaging my reputation and affecting my credit worthiness. Im demanding LVNV Funding to cease and desist all communication in reference to this alleged debt with me and all consumer reporting agencies pursuant to 15 USC 1692c ( c ).
Product: Debt collection

I have recently been informed that there is negative information reported by Gold Key Credit Inc in the file you maintain under my credit report. Upon reviewing a copy of my credit report, I see an entry listing I Never contracted with Gold Key Credit Inc this company is engaging in fraud and is using my personal information to destroy my reputation and credit score to pay them a debt I never owed them or contracted with them for any product or services. I asked for this fraudulent claim to be deleted and removed from my credit report and for them to be investigated for fraud. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with Gold Key Credit Inc and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :
Product: Credit reporting or other personal consumer reports

On XX/XX/year> ( XX/XX/year> ) XXXX XXXX XXXX ran a Hard inquiry for a home loan without my authorization. I was told by XXXX XXXX several times in writing that her company WILL NOT run a Hard inquiry until we had finalized the loan, her company runs soft credit checks to gather information. 

I filled out a VA home loan request in which XXXX XXXX XXXX ran a hard inquiry for an FHA loan, then her company ran my credit again making that XXXX hard credit pulls without ANY authorization! I was told by XXXX XXXX she would have those hard inquiries removed and she never did. 

I requested a copy of the report her company pulled, and she refused to send me that information as well as refusing to give me the rates for the FHA loan her company put together when she ran my credit for the first time without authorization. 

I had a co-worker recommend XXXX XXXX XXXX  to me because he used this company for his VA home loan. I was told by XXXX XXXX XXXX  they had ran my credit. I was very upset, I told them I was VERY upset and told them I was busy, I would call them back when I got off the phone with the VA. 

During that time XXXX XXXX discussed MY Home Loan information, my details, my credit worthiness and personal information with my co-worker again without my authorization. Then this company told me to go with another mortgage company and refused to assist me anymore after they had violated my trust, my private personal information and hurt my credit. 

I am requesting that the Hard inquires on XXXX, Experian, and XXXX be removed from my credit report for the following reasons : XXXX. This hard inquiry was Unauthorized. 
XXXX. This company gave out personal information to a third party without authorization. 
XXXX. This company refused to give me the results of the inquiry. 
XXXX. XXXX XXXX XXXX  refused to remove hard inquires from All three ( XXXX ) credit bureaus when requested. 

A. 1 inquiry on XXXX XX/XX/scrub>XXXX XXXX XXXX inquiry on XXXX XX/XX/year> XXXX XXXX inquiry on XXXX XXXX XX/XX/year> XXXX XXXX inquiries on Experian XX/XX/year>, XX/XX/year> I have requested the XXXX and mortgage information 7 times with XXXX XXXX, and she has refused or given an excuse every time. She has not given me the numbers they ran that day. 

To qualify for a VA home loan I needed a credit score of XXXX, I had the credit score, even if I didn't qualify for a XXXX XXXX XXXXXXXX XXXX XXXX  should have contacted me so I could have authorized a hard pull on my credit to see if I wanted to use a FHA XXXX and give up all the benefit 's XXXX XXXX XXXXXXXX has to offer and to give up what I fought hard to earn. I didn't suffer in XXXX to have my VA loan thrown aside because your employee made a mistake, XXXX XXXX XXXX is a lot better than a FHA XXXX. It just doesn't make sense what your company tried to do.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account # XXXX Amount XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX amount XXXX
Product: Debt collection

In 2020 I called AT & T to get service for my new apartment on a recorded line and was informed that I already had an account with them. I inquired as to when, where, what and how. The representative informed me that the address was an apartment on XXXX XXXX XXXX ( that I was not associated with ). I informed them that I never resided there and wanted the service terminated. I requested to speak with a manager to ask how they allowed someone to open an account and get service installed without my knowledge or consent. I was told that there was nothing that could be done. 

Now today I received a notification that I owe {$2500.00} for that fraudulent account. I would like this debt cancelled and not reported to my credit report as this was identity theft and can be confirmed by listening to the recorded call with AT & T.
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 1681 section 602 states I have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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