23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

A wage garnishment was placed on my income last week by NCO Financial, for a debt that, to the best of my knowledge, was satisfied in 2012. NCO placed an AWG on my income for at least 5 years prior to 2012 in the tune of {$4000.00} - {$5000.00} per year. Then sometime in 2012 the garnishments stopped, so the debt was paid. The debt was even removed from my credit reports. Additionally I did not receive the legally required 30 day notice that the XXXX was going to be applied to my paychecks.
Product: Credit card

I have made over 14 calls trying to get this charged removed. I was immediately sent a text with the fraud alert when the charge was made in XX/XX/year>. I immediately responded to the text advising that the charge was not mine and called the number for the bank and spoke with an agent. The next month I received the charge on my statement and immediately called the bank. The charge was shown as a credit, however I later received a letter from the bank on XXXX advising me that the charge was validated and the charge reversed back to me. I called them several times again and they said they would look into it. 
The paperwork I received from the bank as proof of the charge XXXX XXXX  being delivered to a XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX to a master card number ending in XXXX. That is not even my credit card number. 

This needs to be taken care of and the bank has done nothing about it.
Product: Credit reporting or other personal consumer reports

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

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. 

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Apply For A Citi Card Credit Card and They Denied me Because Total credit obligations when compared to the total annual income that i provided. and this information is False the information that was provided on this Decision the correct Annual Income was Provided when i submitted the application for the Best Buy Citi Card Credit Card. so i don't understand why they denied my my credit is good i don't have any problem with my credit the Decision that they made is incorrect and i want this to be investigated this is a discrimination from best buy credit card and also there was and inquiry on my report from this application that i made i want for this inquiry to be remove from my XXXX Credit Report BEST BUY CREDIT REFERENCE NUMBER : XXXX
Product: Mortgage

XX/XX/XXXX paid mtg XXXX mr Cooper reversed it. 

XX/XX/XXXX paid mtg XXXX Mr Cooper reversed payment XX/XX/XXXX paid mtg XXXX Mr Cooper reversed it again stating that now they wanted a XXXX late fee paid along with both payments that were due. 

Covid hit and my tenants wouldn't pay from XX/XX/XXXX until I kicked them out XX/XX/XXXX. 

I applied for forbearance they said on web portal I had one. I got certified letter on XX/XX/XXXX stating house would be sold at auction XX/XX/XXXX. The house was sold but Mr Cooper sent me an email on XX/XX/XXXX stating my forbearance was up and asked if I could resume payments I selected yes and they sold my house the next day. They sold it before the national moratorium ended. Further more they went against the CDC and charged me XXXX in late fees... They stole my house they broke there own forbearance and auctioned it days before the moratorium even ended I know there's gon na be a lawsuit my house appraised for XXXX I was unable to kick out bum tenants Mr Cooper made the mistake and refunded my mtg 3x then placed a huge fee on it. Then they made forbearance and stated I could just pick up on payments XX/XX/XXXX yet they sold the house 3 days prior. I have screen shots docs etc.
Product: Credit reporting

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Were all aggregated and Discharged via XXXX under account XXXX XXXX XXXX XXXX XXXX and are to be expunged from consumer credit report. The debt was transferred and then the remaining balance was completely discharged due to reoccurring illness first documented in XXXX 2007, however due to HIPAA laws in effect select details will NOT appear in public portion of consumer credit report. any such violation will result in fines and fees.
Product: Debt collection

XXXX XXXX XXXX  text me & mailed me several times claiming I owe them {$30.00} for a copay from my sons visit on XX/XX/XXXX. I called & mailed them documentation proving I paid the {$30.00} copay in the clinic on XX/XX/XXXX using my credit card. Despite this, they turned the debt over to a collection agency- TSI ( Transworld Systems Inc ). They mailed me a debt collection statement XX/XX/XXXX, to which I mailed them to their correspondence mail address on XX/XX/XXXX a copy of my {$30.00} co pay receipt & a request that the harassment stop. Despite this, they again mailed me a debt collection statement again XX/XX/XXXX. Despite providing documentation that proves I paid this {$30.00} copay back on XX/XX/XXXX, I continue to be harassed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. This account needs to be deleted from all 3 consumer reporting agencies immediately. 

Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
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 NumberXXXX has violated my rights. Or a 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.
Product: Checking or savings account

I had an account back in 2022 the bank closed my account for no apparent reason they also charged me overdraft fees.
Product: Mortgage

Hi there, My wife and I are relocating from XXXX to XXXX. We went out there XXXX XXXX found a home we really loved. Come approx XX/XX/XXXX XXXX we started the reapproval process with XXXX XXXX of CMG Home Loans " XXXX XXXX XXXX '' who was the preferred lender of XXXX XXXX. This is our first time ever dealing with a preferred lender as is our first time buying new home construction. The builder was offering incentives so we went with CMG Mortgage and started the pre-approval process. In order to go under contract we had to put down XXXX of earnest money to hold the lot. We were told that we would be locked in at a 5.75 % interest rate which we thought was good at the time, because we know interest rates were rising. As we get closer to the close date, we had to do another credit check and the numbers were reconfigured. We then received quotes showing that the interest rate went up to 7.625 %. It wasn't until we pushed back that they made a " last minute deal '' and then all of a sudden gave us the original interest rate, by then we had already spoken to lender that our real estate agent has done business with for years and he said we were XXXX XXXXXXXX from  every angle and the fees are astronomical. It was a that point we knew we were dealing with dishonest people for the biggest transaction of our life, we no longer wanted to do business with other one of them because of how dishonest they were. Now my family is without a home, down XXXX that the builder will not release all because of a greedy loan officer who thought we were too stupid to know what was going on under our nose. Our real estate agent pleaded with the builder to get the money back and we had no such luck. If it wasn't for the lack of transparency and communication, we wouldn't be down XXXX that we could have put going elsewhere. Now we're trying to figure out our next moves and hope and pray we don't get taken advantage of again.
Product: Debt collection

I never received any notice of debt. I disputed the inaccurate report information and have asked to be provided with proof via receipt of certified mail proving that I agreed to pay this debt, including any and all documents with my signature. That has not been provided and Its been 45 days since the dispute. The collection is still reporting to my credit report. I called the collection agency and they advised even though they are re-investigating the dispute and can not provide verifiable proof, they are refusing to remove it from my credit report. If they can not prove that I owe this debt and send proof of my signature stating I agreed to pay them this debt, It is a violation of my rights and it should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to fix up some errors on my credit report, I have asked on several different occasions that the credit bureau 's verify that the information from a XXXX XXXX account that had been sold to XXXX was reporting correctly. first letter dated XX/XX/XXXX it came back " verified '' from the credit bureau 's. I asked again, letter dated XX/XX/XXXX, the last one i sent on XX/XX/XXXX using the CFPB dispute letter. Each time, the credit bureau 's came back " verified '' or information " updated '' and the accounts are still reporting incorrectly according to what I can see and they have failed to respond to the CFPB letter within 30 days. None of the information that is outlined and requested on that letter had been submitted by XXXX.
Product: Debt collection

XXXX filed an eviction against me and my family after refusing to accept the rent for that month.Saying that we did not pay rent the month before.I sent in the rent receipt to courts proving they lied, they said no rent payment for present month sent in copy of money order in which they refused to accept and full rent amount.instead they demand the keys we forward all proof to courts in our response to eviction answer the Judge only ruled us to vacate property we didn't turn money into court register because they wanted keys and us to vacate The judge did not rule any funds owed to XXXX and closed the book on that no open judgements owing them anything. they kept our {$1400.00} deposit. we lived in a badly molded home which we should've never been there to began with never missed a month paying rent. Now they have their collection company Hunters Warfield harassing our credit reports for $ XXXX and the judge did not rule us to pay no $ amount to them. I have called the Clerk of Courts to see if they had anything that was ruled by the Judge for  us to pay and they says no nothing at all and the final Judgement is closed. we also forward the courts a copy of the emails sent to us from the property manager was demanding the keys over the money order for rent that month then they filed eviction saying we did not pay our rent they should have stated the truth that they didn't accept the rent money order. they had no reason to have treated us this way we feel very discriminated against and now harassed for $ XXXX dollars by their collectors Hunters Warfield and for what? We forwarded documented proof to the judge.so where is the open judgement of owing $ XXXX on our records? There is none Exactly we are being discriminated against why?? There was no reason for them not to except our rent payment why did we have to be treated so differently and still is with Hunter Warfield reporting to our credit reports. then lied to evictions courts 100 percent. still being discriminated against through Hunter Warfield this is so senseless. but we will get justice served by all legal means necessary. ( smile )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX  XXXX Bankruptcy Ref # XXXX, have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

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

We literally had to drive down to a local M & T Branch in order to obtain my bank statements and copies of checks in order to do our taxes ( they wont provide online or after a phonecall request ). These XXXX  still have not either mailed or sent these to us in weeks, and time is ticking. Truly the worst bank ever.
Product: Student loan

In XX/XX/2017 I was notified by Navient that I was entitled to a deferment on my student loans ( one subsidized, one unsubsidized ) because I had been enrolled half time in graduate classes for one semester. I called to ask how much I would have to pay to avoid capitalizing interest and was given an amount in the vicinity of {$72.00}. I attempted to pay this amount twice but it was returned to me because they claimed I sent it to the wrong address, which I do not believe I did. When I looked at my account history last month, I realized a much larger amount of interest was capitalized than I would have paid if I had made the {$72.00} payment for the six months. Also, the months where payments were not taken from my account were different ( later ) than what they stated were the dates of the actual deferment. I was told that I had been given a " courtesy forbearance, '' and that interest had been capitalized on both accounts rather than just the unsubsidized acount. I assured them that I had never requested a forbearance and asked for it to be removed from my account and the interest charges credited back to me. I needed to speak to several customer service agents and supervisors before I was told that they would reverse the additional interest charges. I calculated the overcharged interest to be in the area of {$800.00}. I was asked to wait 24 to 48 hours to recheck my account. When I checked my account again it looked as if several transactions had been initiated to reverse the charges : one for {$870.00} on XX/XX/17, one for {$810.00} on XX/XX/17, and one for {$270.00} on XX/XX/17. My total balance due before I made this request was {$57.00}, XXXX. I expected to see a reduction in this balance after these credits were made, but instead, my total balance was within {$10.00} of what it had been before ( {$57000.00} ). I called Navient again and spoke to a supervisor who insisted that my balance was valid. I asked how it could be that I was credited this amount of money retroactively and my present balance remain virtually unchanged. She could not provide a reasonable answer to my question but continued to insist that it was valid. She offered to send a declining balance statement going back two years which I have attached. This statement looks nothing like the account history that is on the Navient website and I can not understand how the credits were allocated. Additionally, I do not have a comparison of the declining balance statement before the credits were made for comparison. I would like an explanation of how these credits were made to my account with no effect at all on my current balance.
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 those account to be removed.

They are not in compliance with the following law. 15 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: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 just went to check my credit report and saw that my student loans jump up over XXXX dollars. I did more investigating, and I have multiple open accounts with MOHELA. I am trying to dispute them now and I'm getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1. DEPT OF ED / XXXX Acct # XXXX # 2. DEPT OF ED / XXXX Acct # XXXX # 3. DEPT OF ED / XXXX Acct # XXXX # 4. DEPT OF ED / XXXX Acct # XXXX YOU ARE REPORTING THAT I AM 90 DAYS LATE FOR XX/XX/XXXX BUT YOU SHOW THAT I HAVE SUBMITTED ON TIME PAYMENTS FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ... .HOW CAN I HAVE BOTH 90 DAYS LATE YET THE 3 PRECEDING MONTHS ARE PAID ON TIME??? 

I can't believe the inaccurate reporting on my credit report! According to the credit bureaus, I'm 90 days late on my XX/XX/XXXX payment, even though I paid on time in the previous months of XXXX, XXXX, and XX/XX/XXXX. It's frustrating to see these errors, especially when they can have such a significant impact on my creditworthiness and financial future. 

It's not just me- a XXXX study by the Federal Trade Commission ( FTC ) found that one in five consumers had an error on at least one of their credit reports. That's outrageous! These errors can lead to higher interest rates, credit denials, and even affect my job prospects. 

There are several common types of errors that can occur on credit reports, including incorrect personal information, outdated account information, and inaccurate payment history. In my case, it's clear that there's an error in the payment history section of my report. 

I'm so frustrated that I have to deal with these errors. It's not fair that I have to spend my time and energy correcting someone else 's mistake. And even worse, the burden is on me to prove that I'm in the right. It shouldn't be this way! 

I know I need to take action and contact the credit bureau ( s ) to get these errors corrected. But it's just frustrating that I have to go through all of this trouble because of someone else 's mistake. It's not right, and it's not fair. I just hope that in the future, credit bureaus will be more careful and accurate in their reporting so that others don't have to go through the same frustration and hassle that I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acquired my current Mortgage loan from XXXX XXXX effective XX/XX/2023, but XXXX is still sending and calling me to pay a mortgage payment for XXXX and XX/XX/2023. I pay all mortgage payments to XXXX, my current morgage lender, and I do not have an active account with XXXX XXXX. I should not have an open Tradeline with XXXX XXXX on my credit profile Also, I indicated to XXXX XXXX that I did not give permission for them to provider private information to any other parties I also, dont give any Credit reporting agencies to give my private information to any other 3rd parties ( per 15 US Code 1681b _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report )
Product: Credit card

This is a XXXX  party collection agency. I do not know who the original Debtor is
Product: Credit reporting or other personal consumer reports

I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home, however, there are inquiries on my report I do not recognize. I am a couple of years out of a bankruptcy and despite my improved credit, paying a loan off and monitoring my credit my score keeps going down from inquiries I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.