23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Select Portfolio refuse to adhere to bankruptcy laws of United States XXXX XXXX proceeding with XXXX XXXX XXXX XXXX mortgage settlement, in addition to paid off lien over the last 8 years based on court order for lien located at XXXX XXXX XXXX, XXXX XXXX  XXXX. 

Failure to provide CERTIFIED copy of legal right to assert lien or claim against property at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX under countless Qualified Written Request A refund is NOW due in the amount {$230000.00} due to OVERPAYMENT and illegal collection mortgage does not exist with investor fraud. Does not have court approval or order to make changes to funds received in last eight ( 8 ) years. Reporting debt personal credit ruined credit and maniputate credit history. Fraudulent documents provided by XXXX XXXX XXXX and XXXX XXXX in XXXX Violations of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., HUD Regulation X, 24 C.F.R. Part 3500 ; Improper and unauthorized fees, 11 U.S.C. 506 ; Unapproved fees, Fed. R. Bankr. P. 2016 ; Willful violation discharge injunction violation, under 11 U.S.C. 524. Violations of the Fair Debt Collections Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Violation of 11 U.S.C. 1129 ( b ) ( 2 ) ( A ) ( i ) ( 1 ), ( I1 ) provides that the creditor has to receive deferred cash payments " totaling at least the allowed amount of [ its ] claim, of a value, as of the effective date of the plan, of at least the value of such holder 's interest in the estate 's interest in such property.
Product: Debt collection

Transworld Systems XX/XX/2019 - {$74.00} XX/XX/2019 - {$140.00} XX/XX/2019 - {$330.00} XX/XX/2019 - {$62.00} XX/XX/2019 - {$180.00} XX/XX/2019 - {$180.00} I have called repeatedly and explained that I never recieved notice through the mail of the debts to be disputed. I have called and requested verification of the debt from the original provider of service & have not recieved any information. They argue that its HIPAA law and dont have access to basic information to send to me, origional date service, amount due, provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from. I have reached out to the FTC and my local police. Im doing this on my own behalf. Please remove them as well XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXXXXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX have violated my rights.

15 U.S.C 1681section 602 A. States i have rights 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
Product: Credit reporting or other personal consumer reports

I wanted to know costs of solar panels. Got a quote from XXXX from door-to-door sales rep. I was told they had to run my credit report first and then I would get the price. I agreed to checking my credit. Within XXXX hours, I cancelled. No inspections, no work of any kind has been done. XXXX added this to my credit as a debt and they have placed a lien on my home. This company refuses to correct this. It's been XXXX months and after phone calls and complaints, XXXX XXXX, XXXX still has not made this right. This started in XX/XX/2023 and the amount showing is {$13000.00}. The rep ( I can't recall his name ) at XXXX confirmed my cancellation but XXXX refuses to comply. I want this removed from my credit report and removed from the XXXX XXXX XXXX 's. Thank you.
Product: Vehicle loan or lease

I started a boat loan in XXXX of 2019 in which the initial loan amount was {$70000.00}. After making ( 20 ) twenty payments of ( {$1000.00} ) XXXX XXXX XXXX  each month the bank states thus far I have paid ( {$6300.00} ) XXXX XXXX, XXXX XXXX and XXXX XXXX in interest to date but they also state my principal balance is currently ( {$58000.00} ) XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Since there has been absolutely no other fees applied to my account during the past twenty months of this loan, my balance should be ( XXXX ) XXXX XXXX, XXXX XXXX XXXX dollars and ninety-three cents [ {$70000.00} - ( {$20000.00} - {$6300.00} ) ]. Despite several calls and/or visits to the bank they refuse to correct this obvious error. Because of this egregious error and the bank 's refusal to correct it, I am paying more interest on this loan because the interest is charged monthly ( APR ) on the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX XXXX Bankruptcy # XXXX XX/XX/2019-Discharge )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mangled my sons credit report. 

I have twin sons. XXXX and XXXX XXXX. 

My son XXXX applied for a loan through the XXXX and was approved for {$7500.00}. Hes had steady jobs since he was XXXX. He is XXXX. 

When we tried to finalize the loan through Equifax, we discovered that they had put XXXX information into XXXX SS #. 

XXXX - XXXX XXXX XXXX XXXX XXXX has no history, we discovered, because XXXX information occupies XXXX #. And Equifax asked XXXX to fax XXXX  Driver 's License and SS card for proof. But nothing has happened. Its been a month.
Product: Debt collection

I sent in paperwork to have account investigated. I didn't recieve the appropriate information proving this account is mine. Now I'm seeing that account was sold to a collection agency. The amount is {$2900.00}. I am requesting original signed contract, copy of license to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. This is the information I requested the 1st time and never received. I don't want a copy of a bill. That is not validation or verification.
Product: Debt collection

In XXXX, I was being contacted by an attorney claiming I was in trouble and would not explain why until I verified my personal info over the phone which I explained to send me a letter if this was true and I never received one. I was able to have this debt that appeared on my credit removed. 
XX/XX/XXXX, this debt seemed to have reappeared on my credit report. 
Im showing I owe {$300.00} to The XXXX XXXX XXXX but when I call this agency, they claim my account has been transferred out bc they can not find any information on me. 
I also see {$440.00} owed to National Credit Adjusters but I am afraid to contact this credit agency to inquiry about why they put unknown debt on my credit out of fear that they will continue to add fees to balance. 

Pls advise what I can do to prevent this company from continuing to add fees and also to make them stop from putting collection count on my credit. I do not want to deal with this collection company bc they are useless in providing info and continue to transfer me around. I want this permanently removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 total accounts open with XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got a derogatory remark on all of my credit reports I was 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. At this point i contacted my creditors because i was going through extremely difficult financial hardship. We went over an Income Base Monthly payment system and based off my taxes and how much i made last year my payments were changed to none. However to the bureaus i still showed to be late on payments. I contacted the creditors and they said I was up to date. That's when i reached out to the bureaus and they updated the status from late to current.The reports still show negative remarks for the months of XX/XX/XXXX and XX/XX/XXXX.Considering it's 6 loans I have open, My reports show that all 6 were previously delinquent which is severely effecting my score. Since my monthly payments are {$0.00} and My taxes show that for last year I only made {$6700.00}, I would like to address this immediately to get this negative remark removed from my reports.
Product: Credit reporting

It says my account is closed for XXXX XXXX XXXX on the Equifax report and it is not. Also, my XXXX is paid off and my XXXX is paid off in full.
Product: Debt collection

I had a XXXX dollar limit on this credit card. From Best buy and ity is handled by Citi bank. I make payments on this card and no matter how much I pay they still say I owe over 500 dollars. WEhen I make payments my balance should go down but every time II get a bill it is up over 500.00 dollars again. I live on social secuirity and I can not get my balance down below XXXX. so I need to have their practice investicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file i discovered unauthorized and unknown accounts being reported as ethic but they are not therefore im demanding these fraudulent accounts be removed and blocked from my credit file. 

1. XXXX XXXX {$270.00} 2. XXXX XXXX XXXX   {$350.00} 3. XXXX XXXX XXXX {$330.00} 4. XXXX XXXX XXXX {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX-2013 Not my account Fraud account identity theft
Product: Debt collection

The {$20.00} stated as being owed was paid directly to the medical facility. It needs to be removed from my credit report as a delinquent payment. I DO NOT OWE IT. The medical facility already stated that they made a mistake on posting my payment and fixed it on their end. Central States Recovery needs to clear this from my record!!!!!
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 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.

I disputed this account that has been affecting my credit for 4 years and I do not recognize it as mine, in response you update the account as newly opened and affect my credit even more. It is impossible for the account to be in open status. I hope they can solve the problem and send me the original documentation with my signature that supports this account. Thanks.
Product: Checking or savings account

I noticed there has been several companies that withdrew money from my account that I did not authorize nor have any written permission to withdraw funds from my account. I disputed the issue with navy federal and they informed me that it was an issue I need to handle on my own. As a consumer my rights has been violated as I am suppose to be protected by the FDIC and my funds is suppose to be secured.
Product: Vehicle loan or lease

Gm Financial failed to report to the credit bureau for over 6 months, then when they did, they inaccurately reported me 30 days late on 2 separate occurrences. They refused to remove it.
Product: Credit card or prepaid card

Navy Federal Credit Union wrongly denied my disputed charge. I was overcharged by a merchant in XXXX and submitted documents proving he charged me over ten times the agreed price. I spoke to the merchant about this multiple times, and he first said he would refund me only if I returned to XXXX, and then he pretended he didn't understand XXXX, though he understood it perfectly well when I was in the store purchasing the items. The merchant defrauded me. So I turned to my financial institution for help. I submitted a dispute to Navy Federal, but they performed only the most cursory of investigation, ignored the evidence I submitted, and then ruled against me. When I submitted additional documentation including a letter from a US merchant supporting the allegation that the amount I was charged was very far in excess of the value of the merchandise, they not only failed to refund me, they refused to even look at my case! They recommended that I talk to the merchant, the very merchant who defrauded me. 

The XXXX merchant and I agreed to {$1600.00} USD for a collection of handmade metal items. This is also the amount documented on the itemized invoice and the customs form. However, the merchant charged me {$16000.00}! When I brought this to the attention of Navy Federal, they refused to refund me! I subsequently submitted additional information, and they refused to even look at my case. They recommended that I talk to the merchant, which I had already done unsuccessfully. I have attached the document I submitted to Navy Federal with my second appeal. This contains the invoice, customs form, photo of the items, and letter from a US merchant supporting my case. 

I am a victim of fraud, and my financial institution refused to aid me. They are negligent in their duties under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and implementing regulation ( 12 CFR 1026.12 ). So I appeal to my government for help. I ask that you compel them to do their duty to treat me fairly in accordance with the law. Please use your authority to direct that Navy Federal refund me. As the act permits charges to be recovered against the financial institution for its failure to resolve a billing dispute, I ask that you direct them to do so for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Charge-Off from Credit Report Dear TransUnion, I am writing to formally dispute an inaccurate entry on my credit report. Upon reviewing my credit file, I noticed that there is a charge-off associated with my loan from [ XXXXXXXX XXXX XXXXXXXX ] that appears to be incorrectly reported. 

Details of the Disputed Account : Creditor Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] Date of Charge-Off : [ Insert Date of Charge-Off ] Reported Balance : {$39000.00} Highest Balance : {$52000.00} Opened : XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Term : XXXX months ( XXXX XXXX ) Payment History : I have made only 10 % of payments on time, but there appears to be a discrepancy in reporting. 
Based on the information I have, I believe the charge-off entry may have been incorrectly reported due to an error in how my payments have been documented or another issue related to the status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or outdated information on my credit report. Therefore, I kindly request that you investigate this matter thoroughly and remove the charge-off from my credit report if it is found to be inaccurate.
Product: Credit card

On XX/XX/year> purchased thru my Chase credit card thru Chase travel airline tickets for premium economy for the amount of XXXX. United airlines says Chase travel only paid for basic economy not premium. I am seeking the price difference of over {$400.00}. I have contacted Chase travel numerous times and each time said they would look into it and contact me, but still no resolution.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 

They are not in compliance with the following law. XXXX5 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Debt collection

Calls too numerous to list over the span of months from Harris & Harris Ltd. in XXXX, a debt collection agency. I have returned the call on several occasions ( out of frustration ) and established with them that their efforts are directed toward the wrong party. I gave name, address and birth date. Each agent that I spoke with assured me of an identity error on their part and that my number would be removed from their list. ( The last agent that I spoke with was Ms . XXXX. ) All to no avail. The calls continue at a pace of every 3 or 4 days. I was told that they are collecting fees for a City of XXXX XXXX delinquent parking ticket associated with a car that I have never owned and registered to an address where I have never lived.
Product: Debt collection

Several months of repeated phone calls, some with automated voice message, from a company called Penn Credit Corp. I gather they are a debt collection agency. I have no idea what this is about. 
They have not communicated with me by any other means. I sent them a " Cease and Desist '' letter by certified mail on XX/XX/2017. 
I received a signed receipt dated XX/XX/2017. The phone calls have resumed. In my letter I told them I would contact the FTC and the Florida Attorney General 's office if they continued the phone calls. They were requested to provide my letter to the company for whom they are collecting, so they have notice of my dispute. All this to no apparent avail.
Product: Credit reporting or other personal consumer reports

I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called XXXX to close my credit card on XX/XX/2023. The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XX/XX/2023, 12 business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. Two months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. XXXX is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that XXXX charged their fees 12 business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. 
Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX   For XXXX 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXXXXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

For TRANSUNION 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately
Product: Debt collection

I am called as many as 10 times a day, never leave a message
Product: Debt collection

On XX/XX/2020, my XX/XX/XXXXCredit report shows a collection account from Portfolio Recovery Associates for the amount of {$560.00} listed on my credit report ( Acct. XXXX ). As of XX/XX/2020, I have never received correspondence from this collection agency to dispute the validity of this debt that I am legally allowed before they violated my rights protected under the Fair Debt Collection Practice Act by reporting this account to the credit bureaus without validating the debt.