23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. 
I have received a mail from a company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. 
The company have asking me to pay off amount {$1700.00} USD for a statement date ( XX/XX/XXXX ) that they've thought I owe to the creditor listed. 
This debt collector company have a several attempt to contact me by phone in an unreasonable hrs from an Unkown numbers. 
This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses or contacts etc. 

I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT MONEY FOR AT XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! AND I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. 

This letter contains : 1. copy of the mail that collectors have sent to me.

2. copy of the letter that I have sent to the collector as respond.

2. copy of receipt that proofs I have paid the full amount rent of the XX/XX/XXXX. 
3. copy of my auto insurance policy issue date that proofs I am in the state of South Carolina .

I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt collection who are in process of impact my life, I also need a protection on my personal data that has been breached by Debt Collector act, Such as SSN, BANK, Credit Cards etc. In order to cause a potential problems. also I need a protection on my personal data/ information from being forwarded or sold to any other company by RentDebt collectors act, I understand that personal privacy, data and information of any individual who are living on the land of United states of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or cause potentially negative impact to the residents of US. Or trying to algorithm/ or discriminate an individual, in order to cause lose of confidentiality or any other purposes. 

Sincerely XXXX, XXXX
Product: Student loan

I am one of the many that has been working hard to free themselves of the student loan burden. I finally reached that milestone - at least I thought I did. I paid the remaining balance in full ( {$19000.00} ) on XX/XX/XXXX. However, my credit reports are showing that I still owe that amount to XXXX XXXX XXXX, whom transfered the loan to XXXX XXXX ( see below ) XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ), the lender of your Private Education loan ( s ) ( XXXX, XXXX, and/or XXXX XXXX  ) and doing business as XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXXXXXX XXXX  XXXX ), will soon transfer the servicing of your Private Education XXXX XXXX XXXX ) from XXXX XXXX XXXX to XXXX XXXX ( a division of Nelnet Servicing , LLC ), NMLS ID # XXXX. The effective date of your loan transfer will be XX/XX/XXXX, which means that after this date XXXX XXXX will be handling all servicing activities for your Private Education loan ( s ), including payments, inquiries, and credit reporting I contacted both companies and could not get either to help resolve this issue. I should be free of any obligations to either these companies, however, I am on back and forth phone calls on who is responsible for resolving this. Please help me with this situation I am in.
Product: Student loan

SoFi advertises student loan refinance rates as low as 2.23 %, however they tried to sell me on a loan that 's over 5 %. If I do n't qualify, no one does. 
Credit score : high XXXX. XXXX missed payments on record. 
Household income : XXXX Debt ratio : 23 % ( including housing ) Debt ratio : 15 % ( excluding housing )
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Experian is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Experian violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has inquires that I never authorized on my credit file. As well as disputing a mailing address that is being reported incorrectly. I mailed a disputed letter to them on XX/XX/2018. They never responded nor removed the unauthorized inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/2021 regarding an inaccurate account and that the account is currently in litigation. The account I am referring to is XXXXXXXX XXXX XXXXXXXX. Here it is XX/XX/2021 and I have not received any response as to the accuracy of this account or that to the fact that this account is in litigation. I feel like Experian is taking advantage of me and they are ignoring my dispute. What I do know is that Section 611 ( a ) plainly states that a failure to investigate this item within 30 days they have to immediately remove those items from my credit report. This is causing me extreme emotional stress due to the fact that I am in the process of applying for a job in the financial industry and inaccurate information will jeopardize my chances of being hired. I demand this account be deleted immediately or I will file for litigation due to the stress Experian is causing me.
Product: Checking or savings account

I am unable to open a credit union account because check systems state I still owe on an overdraft from XXXX XXXX XXXX XXXX that showed it was written off per COVID 19 relief and is no longer on my credit but check systems state I still owe. Contacted XXXX XXXX XXXX XXXX a year ago to pay it off and was told it was forgiven as per COVID 19 relief Also shows that a loan that was discharged in bankruptcy with XXXX XXXX they say I still owe on as well.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app. I have been scammed several times on that app and everytime I tried to vet my money back and filed a claim I got no help whatsoever.
Product: Debt collection

We moved to  XXXX   XXXX , MA in  XXXX  of  XXXX . In  XXXX  of  XXXX  our house flooded due to a hurricane on the east coast. We were visited twice by a FEMA representative and eventually awarded c. {$17000.00} for damage repair to our house.     In the fall of  XXXX  I received a letter from FEMA stating that they had determined that we were not eligible to receive those funds because the house in  XXXX   XXXX  was not our permanent residence. It gave a number to call if there was a dispute and I called and explained that it was our permanent residence, our son was   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , and we had been living there and nowhere else since the summer of  XXXX . The person answering the phone for FEMA told me this was a mistake on their part that happened frequently and would be corrected.     In the winter of  XXXX  I received another letter from FEMA stating the same determination, with no changes. I called again and was asked to write a letter and submit proof that we lived there, at which time I sent a certified letter from the school stating our address had been verified since  XXXX . I heard nothing back.     In the spring of  XXXX  I received a letter from th e Dept of US  Treasury stating that they had taken over collections. I called them and was asked to send another letter and proof of residence to their address, which I did. I heard nothing back.     In  XXXX  of  XXXX  Iearned that my tax refund had been garnished due to this supposed debt, and I called again. This time I was given a DIFFERENT address, and I sent the same written materials. I heard nothing back.     This has been on my credit report now for over 2 years and I can get no response from FEMA or the Dept of Treasury, no matter what instructions I follow or whatever effort s I conti nue to make. It is impacting my financial well-being, as I can not obtain credit with these negative errors on my report. I have disputed with the credit agencies but, while this raises t he credit score, it this  still does not allow me to obtain credit of any kind.     Thank you for your consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX XXXX and XXXX paid the claim and Santander has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and Santander is still coming after me for money, claiming that GAP didn't pay in full. Santander was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
Product: Credit reporting or other personal consumer reports

I contacted FSA about the amount I owe. 
I owe student loans {$87000.00}. 
My XXXX  account says I owe that and another $ XXXX on a separate loan that isn't mine. It's saying I owe over $ XXXX now that this was added to my account. It stated that this loan was open on XXXX, I graduated in XXXX. I've already called and got the amount that I owe, which was the correct amount until I despited the school loans, because my school was shut down and they lied about how many loans I had. I was told in XXXX  that my loans were consolidated and they never were. So after the dispute, it went up over XXXX from a loan that isn't mine. I called federal student aid and they told me that isn't mine. I only owe {$87000.00}. That's it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is reporting a multiple late notations for 2020 and I ask that they be removed. Due to Covid 19 and the unforeseen events I was severely financially impacted. My employer lost significant amounts of work and I was lucky enough to keep my job with hours being cut. I have done my best to remain current but really have had a hard time. I ask that Chase Bank please makes some goodwill adjustments for my 2020 lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, per the Equifax website portal to check, was obtained without my consent by criminals who illegally breached that data in possession of Equifax. I have filed a credit fraud alert for 90 days.
Product: Mortgage

I recently received a loan modification via email on XX/XX/XXXX requiring the signature of myself & co-borrower. The due date of the XXXX payment under this modification is XX/XX/XXXX. I have made several calls & sent multiple emails since XX/XX/XXXX informing Carrington Mortgage that the co-borrower has not resided at the residence since XX/XX/XXXX. 

My initial loan was through XXXX XXXX then abruptly transferred to XXXX XXXX XXXX now Carrington Mortgage as of XX/XX/XXXX. I have been on a XXXX XXXX with Carrington since XX/XX/XXXX. 

Now that the forebearance has ended, Carrington is doing as they please to make me default in my payments again that will subsequently result in the loss of my residence which I can not sign the loan modification on my own. The co-borrower will not sign due to not occupying the residence. 

I feel that Carrington is taking advantage of my XXXX XXXX & low credit score. Carrington has never offered a refinance to remove the co-borrower. Without the co-borrower 's signature, I am unable to move forward with the terms offered in the loan modification. Furthermore, Carrington 's website falsely advertises offering refinancing for new/existing customers for poor XXXX range credit scores. 

I'm in a life altering situation where I can not easily obtain a refinance offer from a different lender. The lender had also refused to voluntarily remove the co-borrower on their end. The only option that I was given to " make financial decisions '' without the co-borrower requires a quitclaim deed that I can not afford. It was explained to me that the quitclaim would serve as proof that the co-borrower has no interest in the property but would still not remove them from the loan. 

I have equity in my home so this seems to be a ploy to force me into foreclosure, short sale and/or for Carrington to ultimately benefit & collect the equity currently on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have CLOSED accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED accounts as ( XXXX ) disputed and ( XXXX ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my accounts as disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/ Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I have not applied for anything from XXXX XXXX XXXX since i opened up a business checking account they have informed me they did not pull my credit so please verify account or remove accounts
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 


Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] I am in disagreement with the account listed below which still appears on my credit report
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting or other personal consumer reports

I messaged, called, and faxed Early Warnings and let them know they are reporting erroneous information and information without my consent on my consumer report. I asked Early Warnings to provide documentation with my wet ink signature of the alleged reported transactions and accounts in their database along with documentation of me providing my written consent to share any information on my consumer report. I have never given Early Warning my written consent to report any accounts, transactions, etc. This reporting by them is aggrevated identity theft and against the law per 18 U.S. Code 1028A.
Product: Debt collection

Received notice to pay a debt that I was unaware existed. Disputing the validity of the debt. I do not have a contract with named company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account ending in XXXX was paid in full over a year ago. 

The available credit should show {$7000.00} and amount of debt {$0.00}. 

I have disputed this several times with Equifax, XXXX and XXXX and these inept companies fail to correct the issue even though I have disputed with them multiple times. 

This is negatively affecting my score. They have surpassed the XXXX day investigation period under FCRA since they have continue to report incorrectly. 

Below is what they show : Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX XXXX payment {$0.00} Credit limit {$7000.00} Highest balance {$7000.00} Terms NA
Product: Mortgage

We - XXXX XXXX and XXXX XXXX- have XXXX mortgages with Truist bank, XXXX and XXXX. We pay our monthly p & i on time each month, generally on the first day of the month due or in some cases the last day of the prior month. Beginning a week ago, I started receiving emails from Truist on a daily basis, and then every few hours claiming our XXXX mortgage payments had not been received. Despite this, the Truist online app reflected that the payments for XXXX were paid on XX/XX/2023, three days early. Now, on XX/XX/XXXX, my accounts reflect that they are in arrears and we have been charged penalty fees. This is simply incorrect and reflects a fraudulent attempt to collect duplicate mortgage payments. I would like the records of my accounts corrected, my accounts placed in good standing, the penalty fees reversed, and the credit agencies notified of Truist 's error. 

( Please note that my CFPB account includes my late mother 's name from a complaint filed several years ago. She, deceased, is not related to this new matter. )
Product: Student loan

I applied for an IDR through studentaid.gov last month at the end of XXXX. I was told by studentaid.gov that my application was processed successfully and to expect payments around {$140.00} a month, with payments starting on XX/XX/2023. My loan provider, EdFinancial, has never corresponded with me to let me know that they received my application for IDR, and on their site there is no information to suggest that they have received or are processing my IDR request. 

On EdFinancials site all I see is that I have to pay almost {$800.00} on XX/XX/XXXX, which I can not do ( hence my need for an income-based plan and not the standard 10-year plan ). I've called Edfinancial 3 times since last week and have been given wait times exceeding 600 minutes. Twice the calls just dropped after about 3 hours.

I've left my phone number to be called back since last Thursday and have not received any calls from them. I feel very scared. I can not make these {$800.00} payments and I can not get in contact with anyone at EdFinancial. This feels like negligence and incompetence and I hope that filing a complaint here will do even the smallest of things for me and my situation. 

Thank you for your time and attention.