23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX Pressler and Pressler have sued me and got a default judgement. XXXX XXXX has been charged numerous times for violating the FDCPA laws. This attorney was asked by me to provide proof that they are the owners of the debt, a signed contract agreement, and the last billing statement. I am now concerned that he only reviewed my complaint for 4 secs just as he has been sued by others for this same issue. The last communication with him he claimed he would send the requested information ( their calls are monitored so they said ) and I have yet to get this paperwork. The only thing I 'm being mailed now is an interrogatories request. How is it they can continue to violate laws, harass consumers, and not provide supporting documents that I owe this debt? How do I know that I 'm not just paying some crook who has my information? These are questions that I need someone to look into as soon as possible.
Product: Student loan

I had applied for and was granted a forbearance on my XXXX student loan accounts through Navient during XXXX, as they were not the normal automatic federally stopped accounts. Both were granted, yet one is showing correct while the other continues to show a 90 day late ( which was during the forbearance period. ). I do not have the communication to prove it, as Navient deletes the online correspondence after 1 year.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found fraudulent accounts. This is hindering me from obtaining credit.
Product: Checking or savings account

On XXXX  XX/XX/year> I contacted chime because I used an ATM at XXXX on XXXX  XX/XX/year> and the first time I withdrew XXXX XXXX  because that was the max at a time so I used my card a second time to withdraw another XXXX XXXX  and that time I got a receipt but no money. Well I told chime it didn't dispense the money and that it was XXXX  XX/XX/year> at XXXX XXXX  which was the second transaction well they had it filed as XX/XX/year> at XXXX am which was the first transaction that had gone threw so that dispute was denied so I contacted chime XXXX  XX/XX/year> and explained to them it wasn't the XXXX transaction, it was the XXXX transaction well they fixed it and it says it's under investigation and will be resolved by XX/XX/year> which is fine buy I got an email from chime saying my chime account will be terminated on XX/XX/year> XXXX
Product: Debt collection

I applied for a mortgage and got denied because of an account that I've never even heard of, so I did my research, learned from the internet, that I have to dispute the account with the credit bureau that is reporting it, which I've done, and the account was VERIFIED as accurate. I then found a dispute letter and mailed that directly to Keystone, to which they have recently replied. I mailed the dispute to the address reported on my credit report. XXXX XXXX XXXX XXXX XXXX, PA. If I XXXX search that address I can find Keystone collections as well. SO they mailed me a response telling me that they received the letter, provided me with a better address to contact them and told me that I did not supply enough information to process my dispute, however the account still appears on my credit, from their company. If they can not process a dispute in reference to the account, they can not verify it to the credit bureaus. Fairly simple, they have violated the FCRA and FDCPA
Product: Debt collection

I began receiving phone calls from several different numbers and each time a message is left there is no mention of name as to whom the message is intended. The message only identifies as being from a debt collector demanding a return call to Dynamic Recovery Solutions at XXXX. Each time I receive a phone call it is from a number in Georgia with the most recent being from numbers listed as cell phones. I do not owe any debt to this company nor have I received any written communication as to what this pertains, nor am I past due on ANY of my accounts and have n't been in more than seven years. After checking the internet for information regarding this company I have learned they contact consumers on debts that either do not belong to them, false debts, or on debts that are beyond the statute of limitations and attempt to " restart the clock '' on old ( passed the statute of limitations for collections ).
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 XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX. XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX  ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) All accounts listed under ( 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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. 

, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX : XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX : 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 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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

Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX. XXXX XXXX XXXX XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX 's taxes that I filed with my husband.
Product: Debt collection

On XXXX XXXX I received a collection notice from HARRIS & HARRIS LTD the amount of {$830.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with Nissan Motors/ XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

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

On XX/XX/2022 I mailed Experian a certified letter with the tracking number # XXXX through the USPS. 

In my letter I made them aware of the following : They were violating my rights Pursuant to 15 USC 1681 ( a ) ( 4 ) under the Fair Credit Reporting Act by treating me unfairly and partially when furnishing transactions to my consumer report without consulting with me as to whether or not the transactions actually took place.

Experian also violated my rights Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by furnishing transactions to my consumer report which contain information solely as to transactions or experiences between me ( the consumer ) and the person making the report to them.

Experian again violated my rights Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) by not giving me the opportunity to deny this information to be communicated on my consumer report before placing it in my consumer report.

Yet again Experian violated my rights Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) by furnishing transactions to my consumer report whose authorization or approval were of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I included in my certified letter a copy of my consumer report furnished by Experian with all transactions that violated my rights highlighted. I also included a copy of how Congress defines the term credit card under 15 USC 1602 ( l ) as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquires that arent mine. 

XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX
Product: Mortgage

We are writing this in hopes you can help keep a family in their home. Please get Freedom Mortgage to properly review our loan for assistance options. The issue started in XXXX 2016. I had to leave work for almost half the year to recover from a XXXX that was necessary but we just couldnt have been prepared for. 

My family did what we could to make up the difference while I was recovering. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment..

Account Information XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Date Opened XX/XX/XXXX XXXX. Months showing XXXX XX/XX/XXXX & XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an account on XXXX XXXX, they asked me for my last 4 of my social and stated that it would not affect my credit score. That was a lie. I filled out basic information nothing about my social security number on XXXX XXXX website for a debt consolidation/consultation through clearone advantage. 2 minutes later they pulled my credit with absolutely no authorization. I didnt even give them my social ... ... ... ..please correct. Hit my credit for nothing XXXX ...
Product: Checking or savings account

I had unauthorized use of my debit at an atm in XXXX XXXX and at same time they used the card to make purchases at XXXX XXXX. I always have the card with me. I never make purchases with it. Tcf is saying it is me according to the chip reader and are not willing to investigate further. I have filed a police report and tcf seems uninterested. They have done this a couple times a month since XX/XX/2020.
Product: Student loan

Navient wrongly ended my Income Driven Repayment " IDR '' plan a month early ( XX/XX/2019 instead of XX/XX/2019 XXXX and charged me the standard repayment amount for the final month of the 12 month cycle instead of the IDR amount. My payments have been on time every month and I have documentation of the error. I spoke to Navient customer service and was told it would be promptly corrected. I followed up a month later and was told the same thing but it still has not been corrected. As a result, my account has shown an outstanding balance now for almost 6 months and my credit score has been negatively affected.
Product: Checking or savings account

I was rejected for a Marcus Goldman Sachs savings account because I am XXXX and their system can't handle this. This is a human rights violation to deny someone a basic service. 

I am a XXXX XXXX with a legally updated name. My gender and name are updated with the Social Security Administration. Goldman Sachs categorically rejected my application due to my " personal information '' being inaccurate, without allowing specifics. 

I then proceeded to out myself and had to gave the old deadname information. An hour on customer service and they still rejected me. They said they can't verify it through their online system and as an online-only service they must reject me. 

I deserve equal access to high-quality savings accounts. Marcus Goldman Sachs needs to allow access for XXXX people by fixing their identity and credit search system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

At Best Buys request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX report as of last XXXX for an account that has been paid off. This dropped my XXXX  score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in Best Buy Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX  credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Credit reporting companies to investigate wrong account information on my report but they only verify ownership when I Never ask for ownership of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter out the XXXX  XXXX on XX/XX/2023 asking them to provide me with a copy of the 1099-C that was issued by their company when they charged an alleged debt off with the IRS which is required by law for all debts over {$600.00}. I have yet to received a response. Also my rights have been violated according to the FCRA 15 USC 1681B ( a ) ( 2 ) This company did not receive any written instruction by me to publish such allegations onto my credit report.
Product: Debt collection

I paid the following accounts in full. I am a single mother of 2 who has plans of eventually buying a house. I was denied. This motivated me to check my credit report and I realized that these accounts that I paid was negatively affectIng me. 
XXXX XXXX opened XX/XX/XXXX XXXX XXXX-opened XXXX, XXXX XXXX XXXX- opened XX/XX/XXXX XXXX XXXX , XXXX XXXX
Product: Debt collection

This has happened more than once, and I have a documented voice mail from XXXX at Caine and Weiner where they threatened my credit report unless I pay them today. This sounds like a predatory  practice from a debt collector that I think should be stopped. XXXX XXXX XXXX : You 've got a new voicemail from ( XXXX ) XXXX. Transcript : XXXX this is XXXX. I 'm calling with Canaan whiner this is in regards to the outstanding balance for XXXX reference number XXXX. unfortunately it has now been 2 months in collections at this point. It will be affecting your credit rating unless we could get payment today. Please call me at XXXX XXXX XXXX. Thank you.
Product: Credit reporting

Unable to obtain any of my annual credit reports online. I have had XXXX cc frauds in past year. How an you monitor credit if you ca n't get reports?
Product: Credit card or prepaid card

an account was opened with my information on XX/XX/2022. I received a past due alert on XX/XX/XXXX. I tried to contact the company and they do not have a number I can talk to someone. This has affected my credit rating. Please advise. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( 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
Product: Mortgage

Dear CFPB, We are paying our mortgage on time, Rushmore Loan Management Services keep on sending a letter at least twice a month about late and delinquent payment and we are getting these letters constantly. Also, we signed the loan modification in a hurry without professional review. The modification we received was three months predated. We believed that penalty and interest are excessive, can you please review our loan modification it will be highly appreciated. Thank you very much. 

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

I was disappointed to see the following entries on my credit report, as they are in violation of the Fair Credit Reporting Act.
Product: Mortgage

I inherited my parents ' home after they BOTH passed in XXXX and XXXX of 2020. They filed bankrupt prior to their deaths and to save their home, they chose NewRez/Shellpoint Mortgage Servicing as their lender. After their deaths, I submitted all required documentation to include : death certificates, loan modification application, pay stubs, letter of qualification ( probate ), and all other forms on numerous occasions via email with no response, reply, or loan modification. For one year, I attempted to make payments ; however, I was blocked from the online system and each time I received a message stating " This loan has a payment stop. '' As a result, I took a picture with my phone and created a folder with those images. I was informed that I could not make payments because my name needed to be on the loan -- -which they never would modify. I also filed a few complaints with the XXXX  ( no resolve ). I have spoken with different Shellpoint associates ( over the last three years ) and consistently gaslighted by this company. Each time, I am assigned someone new who knows absolutely, positively, nothing about my situation. As my sister and I share a father, we are both owners of the property but I manage the estate. However, she filed for bankruptcy which released her from the automatic stay ; however, at this very moment, as a XXXX XXXX XXXX, I am facing homelessness and foreclosure. Shellpoint only sends me statements -- -all that state this is NOT an attempt collect a debt. Shellpoint never asked me to make a payment ; Shellpoint only asked for the above mentioned documents in order to pretend to modify the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX