23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

After notifying the company in writing and asking for verification of information on my consumer report according to 15 USC 1681 section 609 ( a ) ( 1 ) ( A ) that the consumer agency was reporting the wrong information. The agency said the information was verified and correct and even after asking for an re-investigation according to 15 U.S.C. 1681i 15 U.S.C. Code 1681 ( b ) permissible purpose 15 U.S.C. 1681 section 602 ( a ) right to privacy 15 U.S.C. 1681 section 604 ( a ) ( 2 ) 15 U.S.C. 1681 section 611 ( 5 ) ( A ) 15 U.S.C. 1681 section 611 ( a ) ( 7 ) & 15 U.S.C. 1692g
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX
Product: Debt collection

Rise credit kept calling continually after I asked them to work with me. I called them on XX/XX/XXXX to inform them I lost my job and asked for help at least pushing my payments back for a few weeks until I got a new job. They refused to work with me and called non stop. I called in and verified myself with my social security number and asked to be placed on the do not call list after repeated daily calls. Today XX/XX/XXXX they started calling again. I have not agreed to be contacted by phone again. They have tried my bank account for 2 or 3 payments at a time when I had already asked them to hold off for now. I am aware I am in a contract and they have my account number and agreed to payments in advance, which is why I called them in advance and asked for help- but they told me they will do nothing except keep trying my bank account and calling everyday. I have had multiple returned payment fees because they kept trying 2 or 3 payments at a time and I eventually had to shut off the ACH function until I have the ability to pay the fees back to my bank and be able to use my account again. I emailed them today with a cease and desist request. I am not happy with the way they have been treating me. I also let them know I am reporting them. I will not stand to be treated this way.
Product: Debt collection

I received a letter in the mail about a company threatening to garnish my pay check from my employer. The name of the company is National Collegiate Loan Trust. I have no knowledge or history working with this company whatsoever! The garnishment summons I received states that a judgment was issued against me on XX/XX/XXXX. I never received any notice at my home address regarding this company or this matter until I received the garnishment summons! The address that a court summons was sent to was an address I lived at XXXX prior to XXXX. I left that address in XXXX. I find it amazing that the only document that I received regarding this matter that made it to my mailbox is this garnishment summons. I am almost certain any other correspondence went to an old address and the only reason this made it to me is because they have contacted my employer. I know this because the garnishment summons has all of the information needed for the United States Postal Service. Again, I have never heard of this company and never did business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED. There were also several inquiries that I know nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft 2 years ago and everything still on my report. i went to the police and police report is made, identity theft is made now im procedding with the cfpb report i really need to get all these account removed from my bureu. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SPRING OAK CAPITAL LLC IS TRYING TO COLLECT A DEBT THAT IS NOT MINE FOR XXXX XXXX FOR THE AMOUNT OF XXXX DOLLARS. I AM DEMANDING A VALIDATION LETTER, SENT TO ME INA TIMELEY MANNER, WHICH I AM ENTITALED TO BY LAW. I AM ON XXXX, THEREFORE MY INCOME IS FEDERALLY PROTECTED FROM SCAMS SUCH AS THIS.
Product: Debt collection

Address of credit reporting company XXXX XXXX XXXX XXXX XXXX, TX, XXXX Dear cfpb, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1- Unknow or Invalid collection account on my credit report FAIR COLLECTIONS & OUT has flagged your account as Collections on XX/XX/XXXX. 
Source : XXXX XXXX : FAIR COLLECTIONS & OUT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( XXXX ) Balance Date : XX/XX/XXXX Balance : {$420.00} Dispute Report Number : XXXX Dispute Account Number : XXXX Explanation of item being disputed : At first, after 180 days, the original creditor XXXX XXXXXXXX had already charged off this amount from their books for a tax loss and contacted the insurance company about this loss. Original creditor sold off their charge-offs to the collection agencies ( FAIR COLLECTIONS & OUT ). From a legal perspective, I never made a legally binding contract with collection agencies. For this reason, I am not obligated to any collection agencies or I should have the responsibility to pay these debt collectors. 
Secondly, you can find my certified mail receipt ( showing proof that an item was mailed ) and return receipt ( verification of delivery was made ) in the attachment. ( Page 5-10 ). The collection agency had only contacted me on XX/XX/XXXX and XX/XX/XXXX. After I send my 2nd dispute letter, they never sent me any following up emails. After I received their mail, I sent my dispute letter to them on XX/XX/XXXX and XX/XX/XXXX. ( Please find my dispute letter on Page 3-4 ). I stated my point very clearly in these two dispute letters. If the collection agency can provide me with any valid and legal evidence that can show that I owe this debt, I will pay for this amount. Unfortunately, they failed to provide valid and legal evidence. After XX/XX/XXXX, I havent received any letter from them until XX/XX/XXXX. They put the collection record on my credit report and cause my credit score to decrease to XXXX. 

On XX/XX/XXXX, they did send me the evidence but it is not valid, please refer to my XXXX dispute letter ( on Page 4 ) as a reference. The official document that they sent to me does not have a legal effect since both parties do not sign the document. The document does not have my written signature so it does not have legal effect to indicate that I owe the debt. ( Page 11-13 ) If everything that I said was correct and valid, please remove the collection record on my credit report and recover my credit back to the original standpoint. 

Thank you for your assistance and looking forward to hearing back from you.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 ( XXXX XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Debt collection

XXXX XXXX, phone # XXXX collecting for https : XXXX called repeatedly, called my family members about me and was verbally abusive when I asked him to stop calling me and my family. He is an unprofessional, abusive bully that has no idea how to help someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My communication is in regards to the Macys account furnished on my consumer report that I want deleted. Now, according to 15 USC 1681a ( 2 ) ( B ) it says a consumer report does NOT include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is, the term credit card mean any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the card I used to grant the right to this debtor making it a creditor, to then extend credit back to me. This is a violation of the FCRA and a consumer right to privacy. Congress clearly states what should be excluded from a consumer report therefore delete this account immediately.
Product: Credit card

I paid my Citicard XXXX XXXX before my payment was due on XX/XX/23 via online ( my payment due date is on the XXXX of every month ). I requested for Citibank to close my account on the same day ( XX/XX/23 ). The very next day, I paid off my entire balance on XX/XX/23. 

Today, I received a notification of my statement and noticed that they charged me interest on XX/XX/23. When I contacted customer service, they claimed I missed a payment or that it was late! On my statement, it clearly shows that I paid on time and didn't miss my payment. 

Then the representative claimed I missed or was late w/my payment in XXXX. I had this card for 4 years, and I've never missed or was late with any of my payments!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

In XX/XX/year> I made the minimum payment due on my account on the day. It was due XXXX XXXX. The company didnt post it to the XXXX and added a {$35.00} late fee to it, I called and they said they dont know why they posted it a day late but they would take the {$35.00} late fee off which they did. When I went to make the XXXX payment, I paid my payment on time and another late fee was put on my account because they said I didnt pay the late fee from XXXX that was taken off. When I called them, they said that when they take a late fee off, they take it off the balance and you still have to pay it in the next payment. That makes no sense that I have to pay something that they took off. I called him today and told him that I dont understand that and they said we understand it and we agree with you but theres nothing we can do about it. I close my account in XXXX and I want to be current with them but they wan na charge me {$40.00} for every month now that I dont pay the {$35.00} late fee that I was originally Charged and then they took it off. I dont understand any of this. Its so confusing its just like theyre trying to rip me off. So now they have {$80.00} more of late fees on my account and I was making my payments on time.
Product: Debt collection

This is a medical bill that is showing up in collections as an open account on my credit report. I filed Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This medical bill was put under the Chapter XXXX Bankruptcy and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I fear that this might cause me trouble in my futures credit transaction and so. I want this to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of Personal information : New American Funding ran my Credit report ( Hard inquiry ) on XX/XX/2018 without my consent.

I have not applied for any mortgage loan with this company, neither as Borrower or Co-borrower. I didn't sign any document or consent them to run my credit score at any time.

They improperly obtained my Social security number from a Joint tax return when my husband had inquired about a Pre-approval based on his name as Borrower solely ( my name was not on any application ).

The persons who are responsible for this incident include : XXXX XXXX XXXX XXXX XXXX XXXX  This action has damaged my credit score and made it harder for me to apply for Mortgage loan in the near future.

I've contacted the company regarding to this incident and haven't heard back.
Product: Debt collection

Account was not mine, It belonged to a spouse. ERC has never attempted to contact me in regards to this assumed debt. I have not be notified via any channel. Mail, phone or electronically. When I call them they are extremely rude and unwilling to work out a solution or have a civil conversation. Very one sided. 

The first delinquency of payment was XXXX XXXX statute of limitations is six years, leaving one remaining. I am appalled that such debt be left unannounced in attempt to collect from this company. In an attempt to refinance this has left a negative impact on my credit report. 

This company should not be allowed to continue collections unless a full scale investigation proves their ability to follow and maintain Federal guidelines. Along side professional courtesy.
Product: Vehicle loan or lease

Started loan in XXXX of XXXX with an original loan amount of {$5700.00} the very next month my total owed is {$5900.00}. And only {$00.00} cents went to my principle I pay a total of {$200.00} a month every month on auto pay with a monthly charge of {$170.00} which totals to me paying {$25.00} extra a month. The interest charged goes up and down every month without reason, they didn't take an automatic payment in XX/XX/XXXX and in XXXX of XXXX {$200.00} went to interest and nothing went to my principle. I was told I get charged {$4.00} a day in interest totalling $ XXXX {$120.00} a month yet my interest payments flucuate from about $ XXXX {$200.00} a month and the most ever applied to my principle is about XXXX or so dollars monthly if that. If I were to pay off the loan today they would charge me {$5400.00} meaning after paying {$2000.00} since XXXX of XXXX till XXXX of XXXX I would have only paid {$460.00} towards my principle that is robbery and fraud. Yet I get told I don't understand how a simple interest loan works. Also their statement re how the payments are applied are 1. Misc fees ie. Repo if applicable 2. Interest currently due 3. Principle current and past due 4. Fees ie. Late/nsf 5. Remaining principle. They are being shady with my money and it's not right. I should only owe {$5000.00} not {$5400.00}
Product: Bank account or service

My loan was recently transferred to Nationstar XXXX/XXXX/16. Prior to transfer I had property damage to my home XXXX/XXXX/16. My first contractor did not complete the necessary work, I hired a new contractor. I sent the documents to Nationstar who stated they would not begin paying since my claim was over {$300000.00} to my new contractor because there was no license submitted. Myself and my new contractor informed them my state no longer provides licenses, however they insist they did. My house can not be fixed since they will not disburse any funds without license. In my states old law required contractor license over {$30000.00}. I informed them I would just hire several contractors whose claims would not total over {$30000.00} each they said they still would not pay claim without license. I need to have my home repair so I can move back in my home. But do n't seem to be able to get funds to repair which my Nationstar will not release. My insurance adjustor has only allowed 3 months for repairs to be completed and my time is running low.
Product: Debt collection

I reached out to XXXX a XXXX XXXX who i had a leasing contract with before breaking my lease due to XXXX at XXXX XXXX rat infestations. I spoke to the manager to get the issue resolved nothing happened so i moved. XXXX at XXXX XXXX sold my information to Hunter Warfield. I explained the issue to the rep at Hunter Warfield we agreed on an amount. Before paying the balance, I requested from Hunter Warfield a letter by mail or mail informing me the collection will be removed from my credit report. Hunter Warfield was paid in XXXX it is now XXXX and Hunter Warfield is refusing to remove the collection.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to inform you that the following accounts have violated my rights to privacy and confidentiality under 15 USC 1681 : - XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX ( Account Number : XXXX ) These accounts have been reported without my written instruction, in violation of 15 U.S.C 1681 Section 604 A ( 2 ). Additionally, the reports contain adverse information older than seven years, which is prohibited under 15 U.S.C 1681c ( a ) ( 5 ).

As you are aware, 15 U.S.C 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency without the consumer 's consent. I demand that you take immediate action to correct this violation and remove the aforementioned accounts from my credit report. 

Please investigate this matter and provide written confirmation of the actions taken to rectify the situation within 30 days from the date of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Experian took more than 30days to complete my investigation. 

I sent Experian my request to investigate XXXX XXXX XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX. 30days has passed and Experian has not notified me of any investigation results. 

This is a violation. This is impacting me from moving forward to buy a car for my growing family. I attached my credit report which shows the credit bureau reporting incorrect date open. Incorrect last date reported. Incorrect last date active.
Product: Vehicle loan or lease

Credit Karma is like a blood sucking mosquito that led me to a site that was supposed to reduce my existing car lone. Instead I get an offer that saves me nothing and I get a XXXX point reduction on my credit rating. Also can't stand getting continually bombarded by there constant advertisements. They truly are not helping anyone and lining there pockets on the hopes and dreams of unsuspecting consumers.
Product: Credit reporting or other personal consumer reports

I am a XXXX veteran who had his home motgage account of approximately 17 years get sold to another mortgage company. During this process I was falsely informed of what I was to pay and how the process worked that subsequently lead to erronious information regarding my payment history was added to my XXXX credit report. 
This mortgage being a VA mortgage blocked me from obtaining a new VA home loan due to the misinformation falsely reported by Freedom Morgage on my XXXX credit report and threatens to now make this XXXX veteran homeless. After 25 years of service and multiple overseas tours I am devestated by what is happening to me.
Product: Mortgage

I recently paid off my mortgage with Wells Fargo. It was paid in full on XXXX for a total of {$370000.00}. I mainly did this to get a better rate and to leverage my equity and get away form paying Mortgage Protection Insurance. Well on XXXX I was charged a double payment of Mortgage Protection for a total {$480.00}. My typical monthly payment for MPI was {$240.00}. Needless to say I am very disapointed. I called Wells Fargo and they said it was some sort of weird rule that current and next month MPI is paid out when loans are paid off. Do I have a leg to stand on? Seems like a greedy move and it is not protecting any mortgage as it was paid off.
Product: Checking or savings account

XXXX  is blocking me from enabling external applications in order to keep track of my account as I choose. I was able to do so in the past. This is a new development. 

After contacting XXXX they still refuse to allow this request for access. 

I understand I have the right to access my financial data.
Product: Debt collection

XXXX XXXX has committed aggravated identity theft., I did not give this company written permission to report any information or share my personal information with no third parties. I also do not have a signed contract with you. How can you validate debt that you purchased for pennies. Please remove this account that does not belong to me.