23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There's a XXXX XXXX bankruptcy that's being reported on my credit report I have disputed the information numerous times I've contacted the bankruptcy court and they have advised me they do not report to the credit Bureau plus the bankruptcy court advised me there is no bankruptcy under my Social Security number I've also provided a letter from the court to have this XXXX XXXX bankruptcy removed off my credit report because it's an error not sure where you're getting your information from but it's incorrect.
Product: Debt collection

First I do apologize for bugging CFPB in reference to this problem. I previously submitted a complaint against The Trellis Company in reference to a Student Loan from back in XXXX. I received information through CFPB, per Mr. XXXX XXXX to contact him. I contacted Mr. XXXX in which I asked him for information showing I did not ask for this forgiven loan to be repaid by me. I informed Mr. XXXX the last thing I knew about this loan it was forgiven. I also informed Mr. XXXX if something had changed no one notified me in any way. 
Per MrXXXX XXXX, he would have someone contact me and supply me with the requested information. After waiting over a month I contacted Mr. XXXX and he asked you havent received anything yet? I informed him nothing, to this day Ive yet to be notified from anyone at Trellis Company in any way. I have contacted Mr. XXXX numerous times only to be sent to his voice mail. I have left numerous voice mails messages however, he has yet to return a call or supply me with any documents. I feel this is the same reason a {$2000.00} XXXX XXXX is now over {$6000.00}, due to not being notified or communicate with. 
May I PLEASE have some assistant with this from CFPB? This information is being reported to the Credit Bureau and I'm trying to get it resolved. I can not do anything if the Trellis Company refuses to talk to me. I have been trying to resolve this for quite some time. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I can not communicate with ANY credit reporting agency. One agency requires I pay to have a freeze put on my credit. For something so important they need to have one on one person to person communication!!
Product: Debt collection

XXXX provided cable service to my sons address in XXXX. Whereas I live in XXXX. My son went online and used my personal information to obtain service without my approval.. XXXX failed to validate the online application and the identity ( ID ) for service. XXXX sent me to a collection agency SW Credit Systems L.P. for collection {$440.00} and reported the following on my personal credit profile. I filed and provided an Identity Theft Victims Complaint and Affidavit form and provided them proof on my residence in XXXX during the period and with XXXX additional forms ( bills ) to support my occupancy address. XXXX will not release the following ... I have my cell phone and cable service in XXXX with XXXX for the several years. They truly know I never obtained services.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

The evidence speaks for itself : I do not owe any debt. I request that you cease the false claims and harassment. I have no knowledge of Aidvantage and do not recognize the entity. They appeared unexpectedly, asserting that I had an outstanding debt, which is entirely untrue. I urge you to stop the incessant phone calls. The supposed debt is associated with XXXX XXXX XXXX, XXXX, XXXX XXXX, an address that is no longer valid. I have no connection to this alleged debt. Therefore, I kindly ask you to halt the harassment. I do not know who you are or what your intentions are. There is absolutely no debt owed. 
Look at the proof enclosed!
Product: Debt collection

I Called the collections agency at XX/XX/2017 XXXX check the status in my account because was show is my credit report without any information o letter from that company, when I explain I was dispute portion and I request validation of the debt they claim since they do n't have license in Minnesota they cant mail any letter, but they can report it.last month they updated another account in my credit
Product: Credit card

I paid {$20000.00} towards my balance owed on XX/XX/year>, which posted on XX/XX/year>. Instead of reducing my auto pay for the remainer of balance due, which would be {$8100.00}, Citi took the full statement balance of {$28000.00} on XX/XX/year>. 

This caused an overpayment of {$20000.00} and left a credit balance on my account of {$11000.00}. 

I contact Citi on XX/XX/year> to have my credit balance refunded within XXXX business days as required by the XXXX XXXX Billing Act ( FCBA ). 

Citi has refused to do this. They claim that my credit refund will not be processed until XX/XX/year> in violation of XXXX.
Product: Vehicle loan or lease

On XXXX XX/XX/2022, I met with an Accredited Financial Counselor with the XXXX  of the XXXX at XXXX XXXX XXXX. I saw her for assistance with my security clearance as I had delinquent debt. During this session we determined how much I could reasonably afford to repay on my delinquent accounts. I called one of the creditors, TD Auto Finance. My counselor was on the call. I spoke with XXXX @ XXXX @ XXXX. He informed me that no one except myself could remain on the call. I continued with other creditors and called TD Auto Finance back at XXXX. I reached XXXX XXXX XXXX (? ). I explained the reason for my call. She stated that my loan was {$12000.00} at an interest rate of 7 %. I immediately asked her to lower it due to the SCRA rate of 6 %. She stated she never heard of this and would not reduce my interest. I asked again for her to lower it and she said she would ask her supervisor. Again, she returned to the call stating she could not reduce the interest. I continued to try to negotiate a possible settlement with payments. She kept referring to a payment that was impossible for my family to afford. I told her that I could only afford {$170.00} at this time. She stated that was not enough and said she would not set me up on a payment plan for that amount. When I explained to her that I could not afford payments over {$600.00} she offered a settlement of {$6400.00} that I could not afford to pay. I asked her for the payment address, and she did provide it however, she told me that I should not send in payments of {$170.00} because that was not acceptable. She outright refused to take my {$170.00} payment. 
After my call ended with TD Auto Finance, my counselor suggested I file this complaint and for my wife to send in payment every single month until this complaint is resolved.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$190.00} Open Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have oppen accounts that are not mine and there's dep that are not mine never had a capital one card and XXXX XXXX I'm unknown about
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Received multiple phone calls and text messages on a weekly-biweekly basis since XX/XX/2022 from National Recovery Agency requesting to collect debt from a name that is not mine, and that I am not associated with.. Phone numbers include : XXXX, XXXX, XXXX : to call back at XXXX. Reference number : provided. I have answered multiple times, and even called back and said that my phone number does not belong to the name that is being requested. I have been contacted on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and today XX/XX/2022. I spoke with two representatives who said my phone number would be taken off the list. Today I received a detailed text message from National Recovery Agency stating who the debt is being requested for, the total, and a reference number. When it occurred, and when the final resolution needs to be met for this collection. All information that does not pertain to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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: Student loan

I 've had federal student loans in repayment since my graduation in XXXX. I paid off all but two of my loans that were being serviced by Navient without missing a SINGLE payment as of XXXX. I received an email from Navient on XXXX/XXXX/XXXX stating that my last two loans would switch over from the previous company ( XXXX ) to Navient. At this time, I was paid ahead on these loans with NO payment due for at least 18 months. After receiving the first email, I received a second email on XXXX/XXXX/XXXX stating again that Navient was taking over and quote : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account once the move is complete. What happens next? Watch your mailbox. Once your loans are on our system, Navient will become your new student loan servicer. To let you know when it 's official, we 'll send you a welcome letter including your new account number and our contact information. '' I received nothing additional in my " mailbox '' as I was receiving all paper statements from XXXX. On XXXX/XXXX/XXXX I received the third and final email from Navient stating, " XXXX, now that your loans are with us, make the next move ... to XXXX. '' with a link to click ; AND THAT WAS IT. Never once did I received a phone call, any additional information in email, or by postal mail. There was no account information, no phone numbers, no emails to contact Navient, nothing. That is until XXXX, XXXX when I received a paper statement ( or bill ) in the postal mail that showed Navient had added an additional $ 2,000+ to my account balance with no explanation as to why. 
I have spent hours on the phone with Navient, calling their off shore and on shore call centers as well as their corporate office in Delaware and have not gotten ANY, real tangible documentation as to how they added over two thousand dollars to my account balance, just poof, its there and now you owe it. There is no documentation of interest rates, fees, balances, nothing ; not even on their website. I need help as this company is literally scamming people out of money. There are times when I call the call center and I literally have to opt out of TV, Internet and road side assistance programs BEFORE I can speak with someone! Total Scam this company is!
Product: Mortgage

I purchased my home in the city of XXXX in XX/XX/XXXX. Rocket Mortgage is my lender. Since XX/XX/XXXX my property taxes have been overestimated. Rocket Mortgage estimates that my taxes are {$4600.00} but my actual tax bill for XXXX XXXX was {$2700.00}. I received an escrow reimbursement but the company continues to over estimate my taxes. I have called several times and I have escrow analysis completed per my request to no avail. The following are the dates of escrow analysis that I requested : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They were all completed by Rocket Mortgage but resulted in no change necessary. I have emailed and uploaded my tax bill for XXXX XXXX taxes which clearly states my home 's taxable value of {$32000.00} and the XXXX  % of 100 % and as a XXXX Property class. There is no reason at this point that my escrow balance should be so high. I talked to multiple different specialists and while they agree that I am correct, they tell me they don't know what should be done to fix it. They have also requested research be conducted and the research always comes back stating that my taxes are estimated at nearly double of what they are in actuality. 

I feel that this company is essentially holding my money XXXX since I am unable to use it and it is not accruing any interest while in the escrow account. How many other clients are experiencing this? It seems like it would be a pretty convenient way for a large company to claim to have more liquid assets than they actually do.
Product: Debt collection

QUANTUM COLLECTIONS representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amount {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report a serious issue involving several companies that I believe have violated 15 U.S. Code 1681a and 15 U.S. Code 1692k. The companies involved are as follows : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX 

15 U.S. Code 1681a : This code outlines the rules for credit reporting agencies and their obligation to maintain accurate and complete information about consumers in their credit reports. Violations of this code can occur if credit reporting agencies fail to maintain accurate and complete information, or if they fail to correct errors in a timely manner.

15 U.S. Code 1692k : This code outlines the rules for debt collectors and their obligation to treat consumers fairly and without harassment. Violations of this code can occur if debt collectors use abusive, deceptive, or unfair practices to collect debts, such as making false statements or threats, or contacting consumers at unreasonable times or in an unreasonable manner.

It is important to note that each of these codes has several subsections and specific requirements that must be followed. The violations can vary depending on the specific actions taken by the companies, but they generally involve actions that are prohibited by these codes.

These violations have caused me significant financial harm, including [ Describe the specific damages you have suffered as a result of the companies ' actions ].

Despite my attempts to resolve this issue with each of these companies, I have been unable to achieve a satisfactory resolution. I am now seeking the assistance of the CFPB to hold these companies accountable for their actions and to ensure that my rights as a consumer are protected.

Thank you for your time and attention to this matter.
Product: Debt collection

On XX/XX/XXXX, I received a collection notice from Transworld Systems INC. seeking to collect an alleged debt of {$120.00} claimed to be owed to XXXX XXXX. 

I immediately disputed this debt by sending a validation request letter to Transworld Systems INC. asking for verification of the debt and proof they are licensed to collect debts in California. 

Transworld Systems INC. responded stating their XXXX  debt collection license was " pending '' but provided no license number. 

I sent a follow-up letter on XX/XX/XXXX, requesting written proof that Transworld Systems INC. had submitted its license application in XXXX  by XXXX XX/XX/XXXX deadline to operate legally during pending status. 

Transworld Systems INC. failed to provide any response or documentation validating that their license was properly applied for in XXXX  by the legal deadline. 

After waiting for the requested timeline, I sent a final notice on XX/XX/XXXX, informing Transworld Systems INC. I still disputed the debt since they can not prove valid licensing. They did not reply and continued collection efforts. 

I request a full investigation into Transworld Systems INC. and their lack of valid XXXX  debt collection licensing while attempting to collect on this disputed account. Their practices appear unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company SYNCBXXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting

i have never used XXXX and do not know what XXXX is or why it say i owe {$110.00}
Product: Credit reporting or other personal consumer reports

I am not associated with these listed creditors or the inquiries shown.
Product: Debt collection

MEDICAL DATA SYSTEMS , INC. fraudulently attempted to collect an alleged debt without providing proof that a debt is owed. They do not have a contract with my signature and I have asked them to provide this information but they can not because there isn't one. XXXX XXXX illegally sold this account to MEDICAL DATA SYSTEMS , INC., when the account was already paid on the date of service. MEDICAL DATA SYSTEMS , INC. has charged off the account and is adversely reporting to XXXX that I am indebted to them. All of this is being done WITHOUT my consent, pursuant to The Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XXXX and XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XXXX. I remained in Forbearance until the loan was consolidated. 

Details : I graduated from my bachelors and masters program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX  refuse to take actions to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i have a loan with XXXX XXXX  XXXX  which was put on forbearance because of COVID 19 and everything being on lock down from XXXX until XXXXRight before end of the period i called my lender and spoke about options to repay the debt which the agent was kind to set one for me in the next 6 months.I payed the amount i needed to pay at that moment which i was instructed to do and than waited for another month to do my next payment.Next month came in and the agent on the phone had no clue what happened and said to me that there is no repayment plan going on on my loan and that he had to do it all over again and also checked and confirmed that the agent before him just submitted a payment and that was all. 
After faculty data did background check on my credit report they noticed one late payment that was reported from XXXX  and they did not wanted to take that out of my profile because apparently from their view i have missed a payment.Totally unfair for me to have that on my account after pandemic and not knowledgeable staff from their company to not guide me correctly in situations like this.I want full investigation from their side and a sweep on my account for present negative actions on my profile.T Thank you