23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. 

The payments I made to XXXX XXXX XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to XXXX XXXX XXXX XXXX, he told me that he could not do that. 

I explained that I didn't receive receipts for my payments to XXXX XXXX XXXX XXXX, but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to XXXX XXXX XXXX XXXX. 

The most recent letter I received from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. 

In light of this fact as well as the fact that I've never received receipts from XXXX XXXX XXXX XXXX, I implored the representative from XXXX XXXX XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that XXXX XXXX XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to XXXX XXXX XXXX XXXX. 

I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXX XXXX debt was sold to XXXX XXXX XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXX XXXX. Even before my XXXX XXXX XXXX XXXX account was sent to their own collection department, XXXX XXXX itself, also always provided me with a receipt of payment for every payment I made. 

To date XXXX XXXX XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX. This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from XXXX XXXX XXXX XXXX.
Product: Debt collection

Jefferson Capital System account number XXXX states that I owe {$8000.00}. I disputed this online through XXXX, XXXX, and XXXX. I received no validation information from them of the accuracy of this account that it belongs to me.
Product: Mortgage

I had been using XXXX XXXX to monitor my credit. I received a notice that a collection account was added to XXXX. I filed a dispute because the account was charged off years ago. XXXX completed their investigation and removed the report on XX/XX/XXXX. It had not shown on the other credit reporting agencies until later. I assumed this was taken care of when I received notice from XXXX. I did not dispute this with the other two agencies. At the time I was applying for a home loan and had been preapproved because none of these had shown up. When my loan officer pulled my credit the accounts showed in dispute which FHA will not accept. I contacted Equifax on the XXXX and told them I wasn't disputing the account any longer. I was told it would be removed within 48 hours. I could not get ahold of XXXX until I signed up for their service online ( which should also be a complaint ) XXXX  removed the remark immediately after I spoke with them and sent me notice of that. My loan officer pulled the credit reports the next week assuming they were fixed. Equifax has still not corrected my report. I called them again today and they assured me it would be done right away but I still have not received confirmation from them. I asked them to simply send me a document stating that I had asked them to remove the dispute because the loan officer can work with that and they will not even do that. This is not right for the credit bureaus to allow a collection agency to purchase old debt information that has already been charged off and you have already been punished for and suddenly just throw it onto your credit report. Then to be punished again when you try to straighten this out. None of that is right, however, my main complaint at this point is that Equifax is not removing the dispute that I never asked them to do and will not even give me a document saying that I asked to have this removed.
Product: Debt collection

Previous complaint  XXXX  regardi ng USAA. I had been a customer of USAA for many  years. In  XXXX  I went through a divorce and was financially devastated. I had an auto loan and a credit card with  USAA  that I could no longer afford to pay. They auctioned my car and I was responsible for the remaining balance. After a long period of time, accounts went to an outside collection agency. I dont have the name of the agency but I worked with them to settle both debts. It was VERY CLEAR these were settlements, not payment plans as I knew they were done when all my payments were made. I believe it was  XXXX  when my payments began. My name at the time these debts were incurred was  XXXX   XXXX . The only other information I have is  XXXX   USAA  account number ends in  XXXX  and the other USAA account number ends in  XXXX . I paid both debts faithfully, auto deducting from my checking account bi-weekly. I have evidence from my bank that every payment was made and the last payments made were  XXXX   XXXX . In  XXXX   XXXX , I got a call from a collection agency regarding this SAME DEBT. I advised these had been settled and paid as agreed. They said they had not and they would continue to collect. I do n't have any of the settlement paperwork since I have moved my home and thought it was over. Now, both of these balances are accruing interest every month and reporting >  XXXX  days past due every month. I paid these accounts per our agreement and I need the credit bureaus to be reported as such and STOP TRYING TO COLLECT ON DEBT I ALREADY PAID!!! This is illegal!!
Product: Credit reporting, credit repair services, 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. 

XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXXXXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX 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 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: Debt collection

Revenue Enterprises {$1000.00} Origin was for the XXXX XXXX Colorado it was in XX/XX/2014. This Bill was for the XXXX XXXX back in 2014 I was XXXX Years old at the time and my mom took me to the hospital so I am unaware of what type of insurance I had. I have not received notice of this collection, I am young and I did not know about credit scores or how any of it worked. I have recently started to look into my credit and want to get back on track and fix my credit score.
Product: Credit reporting or other personal consumer reports

I disputed items on my credit report and the investigation has not fixed the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I called Naviant to request to remain on their Rate Reduction Plan that I have been on for several years. After much discussion with the individual I spoke with, XXXX, she spoke with her supervisor and he requested I fax them the last 3 months of my bank statements. I did so on XX/XX/XXXX referencing my acct # XXXX at a cost to me of over {$30.00}. Since then I received no follow up from them on my request from either XXXX or her supervisor, but just an E-mail stating my next payment due on XX/XX/XXXX will be for {$580.00} instead of my current payment of {$300.00} almost 95 percent higher than what I was paying monthly. There is absolutely no way I can afford that increase as I am on a pension and Social Security only and can not at my age, XXXX, take on anymore part time work due to failing health and other financial obligations all of which I explained to XXXX in great detail. After I repeated all the details to XXXX she stated it looked like I had about {$51.00} left over ever month. Since I initiated this loan in XX/XX/XXXX I have paid them over {$30000.00} from the original amount of {$45000.00} but I still owe them {$48000.00}. I also explained to XXXX that I have taken out 3 different insurance polices with XX/XX/XXXX XXXX that amount to {$50000.00} just to cover my debt to Naviant when I pass away. My youngest daughter is the beneficiary of those policies and it is her best interest to use the funds to pay off the loan because she is listed as a co-borrower. Please contact them at XXXX to ask them to extend my Rate Reduction Plan for the rest of my life and quite trying to get more money out of me every year. Last but not least I am a XXXX veteran. Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$880.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

Using my personal information he had access to behind my back, former friend, XXXX XXXX XXXX, added me as an authorized user to his XXXX XXXX XXXX acct ( # XXXX XXXX XXXX XXXX ) without my consent and approval. 

He recently became late on his payments and I only became aware of the delinquency because I had a dramatic drop in my credit score caused by XXXX XXXX adding me as an authorized user to his acct without my knowledge. 

I explained all this to XXXX XXXX and they removed me as an authorized user but said they could do nothing to clear my credit report from this reported delinquency. Equifax said they could remove this entry if I filed this report with you, and that's why I am doing this now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XX/XX/XXXX.
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The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX with  XXXX, XXXX, and Equifax credit reporting agencies.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been working with Navient for 4 months and told them I would pay my remaining 4 month balance off. I just sent them XXXX and not remaining balance is XXXX. They have confirmed agreement and stated I would be ok to pay it off once I received my check at the end of XXXX. 

They lied and sounds like a XXXX issue as they are deceptive and report credit even when they promise they wont. 

What resolution do I want : I have the XXXX to pay them off now! I will pay it as soon as they take the mark off my credit report. 

I am amazed they are allowed to get away with these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband and I submitted documents in 2019 that mentioned that my husband would be taking over the time share and payments. I was unaware that they never received the documentation that supported me and my ex husband were getting a divorce, However this company did send us documents to return back to them for a deed and XXXX. As of XX/XX/XXXX this company has received our documentation in full and we were advised that this process can take 9 months to one year. A few months later I called this company back and was informed it should never take that long but it would take anywhere between now and XXXX days these. As of today my credit report is still reflecting that higher balance. I am unable to purchase a home for me and my children because this debit larger than what I make in a year.
Product: Debt collection

company is in clear violation of the law under XXXX XXXX XXXX XXXX - XXXX in connection with debt collection. The law clearly states that : XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt XXXX further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor XXXX invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This agency is in violation of XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up to be a XXXX XXXX today but instead of being cleared via background screening to proceed in the hiring process, inaccurate information reported by the company Checkr to XXXX XXXX Is pending per further investigation. Checkr wrongly reported that I had a criminal misdemeanor charge when in actuality the incident in question was an accident I was involved in that did not lead to a XXXX XXXX. This should have been under XXXX  violations ; not criminal. I was charged with a XXXX * MINOR* XXXX which was for XXXX  ( this has to do with maintaining proper distance between vehicles ). All simple traffic tickets in the state of ohio are considered minor misdemeanor. I did not even receive any points on my driving record. Date of accident XX/XX/2017. Disposition date is XX/XX/2017. Case number XXXX. I have screen shot the case directly from the public court records and will upload the files.
Product: Credit reporting

Experian is reporting information on my credit file that is clearly inaccurate and unverifiable and by law it has to be deleted. 

I am asking you to adhered to the law and removing these negative account. 

I have provided infallible proof.
Product: Mortgage

I have never done any business with this company, nor have I sought a mortgage with the company. They repeatedly call me on my cell phone and attempt to solicit my business. I have registered my phone on the federal do not call list and asked the company to stop calling me, but that has not helped. The company will call and ask me if I want to apply for a mortgage, when I say no and hang up, the company calls back immediately and tries again.
Product: Checking or savings account

I opened a savings ( money market ) account with BMO Harris USA online. I read all terms and disclosures. 

Their sign up process failed to provide me a copy of all things I " signed '' and or agreed too. It failed to provide my new account number. 

After I called them they refused to talk to me once I failed one of the frequently incorrect credit history questions ( This data is constantly incorrect.. for example " when did you graduate high school '' ... is inferred and incorrect in my case -- I have no idea when they think I graduated high school, I was home schooled and already attending college while still in high school ). They refused to talk to me even though I had provided two email addresses and two mobile phone numbers with the application. I had no account number to the {$30000.00} I just transferred in to a new account and no access. 

Eventually I got access, but I was quite upset. After trying to use the account I found I was unable to transfer money out. And I found there were suddenly daily, weekly and monthly electronic transaction " amount '' limits which WERE NOT DISCLOSED up front. Their disclosure described limits in frequency, but absolutely no mention of amount limits. See attached disclosure. 

A simple XXXX search shows they violated Regulation E ( 12 C.F.R. 205.2 ) on disclosures. 

When I requested to close the account they want to charge an account closing fee and other fees. 

Please help me.
Product: Credit reporting or other personal consumer reports

Could you please eradicate these inquiries? I possess no knowledge about them, and the company acted without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

I have not received confirmation nor certified testimony that your officers complied with the FCRA and all its mandated rules, when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in Exhibit C are in fact complaint and not subterfuge? As a result, I`m willing to settle this debt immediately at 80 % per the total balance. ( copy from the Affidavit attached ) ************
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, 2023 ) since then the account had repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX