23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX sold the Account to Portfolio Recovery Associates, LLC. Postal Money Order # XXXX given for Accord and Satisfaction of Account Ending # XXXX.
Product: Debt collection

This debt showed up on my credit report, I have never dealt personally with XXXX XXXX. I have asked them to provide proof of this debt and they ignored my request. I have disputed the debt with XXXX but they state that the debt is valid but again I see no proof of this. 
The collection company is has been harassing me.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against MOHELA due to their failure to notify me of a failed automatic payment, which resulted in my loan being marked as past due. Despite my years of consistent and on-time payments, I am now being unfairly denied the release of my cosigner, and my account still reflects a past-due status. The payments do not reflect the date they were debited, and my account continues to show a past-due balance, even though payments were made. 
Loan Information : Loan Account Number : XXXX Borrower 's Name : XXXX XXXX Cosigner 's Name : XXXX XXXX Loan Type : Private Student Loan Details of the Complaint : 1. Failure to Notify of Failed Auto Payment : I have set up automatic payments for my loan and have been making diligent payments for years. However, I was not notified that my XXXX auto payment failed until XX/XX/XXXX, when MOHELA called me to inform me that the payment had not been successful. This is over a month after the payment was missed, and during that time, my account was marked as past due for 30 days without any prior notification from MOHELA. I was never informed of the missed payment until the phone call, leaving me with no opportunity to resolve the issue before it negatively impacted my account. 
2. Account Marked as Past Due : My loan account still shows as past due, even though payments have been debited from my bank account. The delay in notification means I had no chance to rectify the situation and prevent the loan from becoming past due. This discrepancy between the actual payment and the account status has caused unnecessary confusion and stress, as well as a negative impact on my credit. 
3. Denial of Cosigner Release : Because of the past-due status resulting from this issue, MOHELA has denied my request to release my cosigner, even though I have met all other requirements for cosigner release. I feel that this denial is unfair, particularly given that the missed payment was due to MOHELAs failure to notify me of the issue in a timely manner. I have been making on-time payments for years, and it feels unjust that I am being penalized for something that was outside of my control. 
4. Ongoing Financial Impact : As a single mother, I have worked diligently to stay on top of my financial obligations. The situation feels like a scam, as I have been paying responsibly and on time, yet I am now being unfairly impacted by MOHELAs failure to communicate the issue to me in a timely manner. This situation is causing unnecessary stress and hindering my ability to have the cosigner removed from the loan, despite my adherence to the payment schedule.
Product: Debt collection

I continue to receive calls despite the fact that I have told this company each time they call that it is not my debt and they have the wrong person. Each time they are told to remove my name and stop calling but they persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on my credit. XXXX  XXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.
Product: Credit reporting or other personal consumer reports

I need help with this company. They are not responding to any of my request and there is no proof of knowledge of this account being mine and I have asked the credit bureaus for assistance to no avail. I have requested debt validations and sent it certified mail return receipt with signature required and they have violated all consumer laws by reporting this account. I would like them to provide proof of this debt and want the name and address and phone number and email of whoever allegedly validated this account. Thank you in advance for your assistance.
Product: Mortgage

Home Point Financial has reported a default on our home loan, charged us late fees, caused undo stress, and they refuse to correct their era. Homepoint reported us in default on our loan, acknowledged it was an era, but they havent corrected the problem. We are now getting default letters. We submitted documentation from our banks, verifying payments made for XXXX and XX/XX/2018. However, Homepoint has not corrected the era and claim we didnt make payments. We have spoken to the representatives over and over again, but no one seems to know how to correct the issue. We have corresponded through letters and still the same response. Its as if they are unwilling to do the research, verify the documentation, and correct their mistake. We had a good credit score, but if this continues we want.
Product: Credit card

Ally was once Ollo. They never said anything in any form to me about switching to Ally from my Ollo account.

When the switch over happened my payments stopped because I was paying Ollo on autopay. Ally claims they told everybody about the switch.

You can clearly see i was paying Ollo monthly until Ally took over and was unaware of the new Credit card company. 

They refuse to take XXXX late payments off because they told everyone. I had no idea this had helped. I received no correspondence and whats more I still dont have a card from them. They say its due to my account being frozen for unpaid credit. 

Credit that I wasnt aware of with Ally
Product: Money transfer, virtual currency, or money service

Using XXXX did not receive disclosure for sending Monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed much paperwork and made many phone calls informing the creditors of the mistakes on a recent report of mine. these account are not my doing, i have no knowledge of how they were open. theres one auto company claiming that i have late pays and {$10000.00} remaining on a balance. and a collection company trying to get {$950.00} from me for some reason. these accounts have many inaccurate details on me
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Product: Credit card

On XX/XX/year> someone used my personal information to complete applications to try to open credit accounts. There were 9 so far that I know about. They are : Citi Retail Services-XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX- couldn't find the application. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying off ( not closing ) a  credit card, my credit score dropped XXXX points. I got a low interest loan to payoff this high interest credit card. Once the loan was reported my credit went up XXXX points but as soon as I paid off the credit card, my credit dropped XXXX points. This credit scoring doesn't make any common sense. The credit bureau will not give you an explanation, they claim that they are not allowed by law. So they can affect my credit negatively and they don't have to explain why? where are the consumers rights? The way it looks is that the credits reporting is geared to the financial institutions benefits not the consumer. If I pay off a credit card, that is good for the consumer but bad for the financial institution, this needs to change. The credit bureaus are so arrogant because they know they have a monopoly.
Product: Credit card or prepaid card

This complaint is in regards to the XXXX XXXX XXXX Credit Card XXXX Goldman Sachs ). The promotional offer for {$1500.00} spend on Gas and receive a {$100.00} statement credit is false, or they are just refusing to pay out the promotion. After reaching my {$1500.00} spend in XXXX, I have still not received the published {$100.00} statement credit. I have called several times since and was given a tracking/ticket number, but for whatever reason -- they keep saying they need technical support and are unable to provide the promotional statement credit after 2 months. Secondarily, they also state that this credit was provided in reward points and not a statement credit ( which is not how it is published on website ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

National Credit Systems. Agreed to Forebearance of 6 months and a settlement amount of XXXX. They are not reporting the forebearance as promised. remove from my credit report until XX/XX/2022 and during this time I will settle the account for XXXX as agreed.
Product: Credit reporting or other personal consumer reports

These accounts was charged off on the following dates. Since then the account has 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 false 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 accounts 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 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 XX/XX/XXXX I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

There are 2 issues that I have asked to be removed from my file and am now at the point of filing Civil Lawsuit and privacy violations against the credit bureaus as a result. 

There is a bankruptcy still showing on my report. I have verified with clerk of court who has informed me there is no bankruptcy under my name. Please remove this asap per my privacy and 10 year statute. ( please see attached discharge date ) 2nd issues, please see attached FTC Report as there are a number of unauthorized credit inquires. They include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I filed an online dispute with Equifax regarding a dismissed bankruptcy from over 7 years ago still showing on my credit report. A week later I received a message that they investigated issue and that it was " reporting correctly ''. I then called customer service and spoke with a extremely rude representative who refused to listen to what I had to say. He kept stating that they did not have to remove it until 10 years. Equifax refuses to remove a dismissed chapter XXXX bankruptcy from credit report after 7 years. Item was automatically deleted from other XXXX credit bureaus without issue. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Credit reporting or other personal consumer reports

FCRA 605B, as I understand it, mandates the removal of any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately reported, with incorrect amounts and dates.
Product: Checking or savings account

I was charged overdraft fees of {$35.00} numerous times when Wells Fargo Bank was late on updating my current balance which kept me in the dark about my balance. I don't remember the dates though I do believe it was in 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information ( XX/XX/XXXX ) to verify myself ( ie Equifax confirmation number ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX BANK XXXX never late XXXX XXXX XXXX not mine XXXX XXXX never late INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} not mine XXXX XXXX XX/XX/XXXX {$0.00} not mine
Product: Debt collection

On   XX/XX/XXXX   at  XXXX  a tow truck driver and another individual went to a work site stating he was repossessing a  XXXX    XXXX   XXXX   in the presence of third parties for Credit Acceptance Corporation  .   Credit Acceptance Corp  was contacted and begin interrogating me, and request I make a payment immediately towards an account fraudulently produced by  XXXX   XXXX   XXXX  in the amount of {$13000.00} on   XX/XX/XXXX   in which it has severely damaged my credit. Joint account owner filed a fraud complaint with his bank and Credit Acceptance Corporation referencing unauthorized withdrawals  made two  weeks following a sale that was null and void with no response from  C  redit Acceptance Corp.  Sales and delivery date was  XX/XX/XXXX  ; joint account holder was not present my daughter was. I 've been trying to get the creditor to investigate the matter for resolution since  XX/XX/XXXX . Joint account holder claim no liability in the error and abandoned all responsibilities. Complaint was sent to MD Attorney Gene ral office pertaini ng to GAP insurance that was not approved by me for purchase through   XXXX   XXXX   company ; monies refunded from insurance   XXXX     XXXX   XXXX   was not paid as agreed through mediation. joint account holder of loan has no interest in the title for   XXXX    XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  stated on  XX/XX/XXXX  joint account holder mva record was flagged and license revoked and my income will not qualify for financing alone.     Credit Acceptance Corporation business practices and collection by and between their affilated dealerships is hostile and deceptive. I am represented by legal counsel in another matter left unresolved by Credit Acceptance Corporation involving another vehicle sold to me under fraudulent terms and conditions regardless of the retail sales contract they provide to the dealerships that use their creative financing methods in Maryland. Dealership and credit acceptance corporation knows that i am a real estate professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.
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 re-investigation of disputed information on my credit report, leaving inaccurate and unverifiable account resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to XXXX 's excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align completely with my experience with Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing and livelihood. I am requesting immediate corrective action to remove or amend the disputed accounts, as experienced in action violates federal law and my rights as a consumer.
Product: Debt collection

Company continually calls and leaves voicemails despite not having any debt in my name. They continue to call despite me letting them know they have the wrong number. Furthermore this doesn't even sound like a real company.
Product: Credit reporting

I 'm applying for a home loan and just found out there a negative posted on my credit report. 
The creditor is the XXXX XXXX in XXXX, Texas. I 've shared an apartment there in the past XXXX XXXX ). When I moved to California in XXXX, I 've ensured with the apartment that there is not what soever balance in my name and asked them to remove my name off the apartment. Now, I found out that they have posted a balance over {$3000.00} against my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

# XXXX The company is collecting on a dept that was I was manipulated into taking by XXXX XXXX XXXX XXXX XXXX XXXX. All of my federal loans has been placed on hold concluding this investigation. I have attached documentation that directly depict me as a victim. I can't afford to pay back the loan as I am a full-time student and work part-time. Navient is supporting fraudulent activities by forcing me to pay back something my family and I were manipulated into taking. 

Password to access secured document below : XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax several time via phone and mail and have yet to receive a response to have these verified as I requested these inquires. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I DID NOT authorized this inquires : XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OnlineXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX with NCB management has called my place of employment where these calls are not allowed three times so far this month of XXXX 2016! He has been told repeatedly I can not take calls even repeating back that I said that three times already but continued to call me again today! He and his company are violating my rights and making my work stressful please do something about this! His number is XXXX XXXX XXXX XXXX ext XXXX thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible.