23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent out a DEBT VALIDATION LETTER this company sent me a settlement letter this is NOT a form of validation. This negative impact is stopping me and my son from purchasing a home and i would like for this company to DELETE this account from my credit file.
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 : XXXX XXXX, IXXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXX  Filed on XX/XX/XXXX Reference number : XXXX Court : USDIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXXXXXX XXXX Inquired onXXXX XXXX, XXXX, XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My previous address on file has the incorrect zip code listed on my credit report and an update is required. 

The address of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX should not have the zip code XXXX listed within the address. 

it is exhausting having to constantly correct misinformation after years of requests. 

Please ensure ALL of my data is corrected.
Product: Mortgage

I applied for assistance in saving my home from foreclosure. I hired an attorney to help me with the paperwork. I was advised I am approved for a Making Home Affordable " Trial '' modification. I have contacted my lender on several occasions trying to find out the terms of the loan modification, rate ; term ; principal balance ; principal forgiveness or forbearance and maturity date. Thus far Bank of America says they have no terms and they basically refuse to discuss this with me. My loan is an option arm, negative amortization loan which worked against me for the past ten plus years. I feel the servicer should have these terms and my attorney states someone has the terms available, however they are simply refusing to discuss the terms with me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I opened an account with XXXX XXXX and on XX/XX/XXXX I received notice that my account was closed and upon speaking to a representative at a local branch on XX/XX/XXXX I was informed that I was denied due to negative reporting on my Chexsystems report. Upon contacting Chexsystems for a report, I was made aware that it was XXXX XXXX that is reporting negatively on my report. Upon further review, the negative information was from XXXX, which is now completely over the 5 years time frame that Chexsystems reports an account. Chexsystems is in violation of the FCRA and has prevented me from having access to banking and brokerage accounts.
Product: Debt collection

Multiple calls daily, everyday. I have asked them not to do this. I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked a copy of my credit file and unfortunately found that some of my personal information was incorrect. Please delete the inaccurate information from my credit file within the next 5 days. I will be thankful. I know that you have up to five days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have attached the document about my personal information that you incorrectly reported and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOANCARE SERVICING XXXX XXXX XXXX Maximum Delinquency Note Maximum Delinquency of 30 days in XX/XX/2019 this is not accurate although the company updates my info this inaccurate info remains
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received notification that TRANSUNION CREDIT REPORTING AGENCY dropped my XXXX XXXX XXXXXXXX XXXX 

I reviewed my credit report and identified that there was a manufactured error being reported. A Glitch or systematic failure. It stated that my Current account was removed and renewed on my report.

Thereafter, I contacted CURRENT who informed me that they did not close nor remove the account. They stated that they only posted the positive payment history.

It clearly shows that the account is listed closed while in good standings. This is false.

Transunion is manufacturing credit scores in order to sell products to consumers who they feel isnt financially savvy. This manipulative tactic harms consumers and destroys credit bureaus trust.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE DATE YOU HAVE THIS ITEM REPORTED AS A CHARGE OFF XXXX MATCH MY RECORDS. I REQUEST THAT YOU VERIFY THE INFORMATION AND REMOVE XXXX XXXX FROM MY CREDIT REPORT I REQUESTED FOR THEM TO SEND THE ORIGNIAL ALLEGED PROMISSORY NOTE AND ACCOUNT TRANSACTION HISTORY AND THE REQUIRED DEFUALT OR ACCELERATION NOTICES I ALSO ASKED FOR THE SALE DOCUMENT AND CALULATION OF SURPLUS OR DEFENCENY LETTER LET ALONG WITH THE FINANCE CONTRACT AND BUYERS GUIDE AND PURCHASE ORDER AND HAVE NOT RECIEVE NO PROOF IM ASKING FOR THIS TO BE REMOVED OFF MY CREDIT REPORT EFFECTIVE IMMEDIATELY DUE TO THIS BEING INVALID ON MY CREDIT REPORT AND IN VIOLATION OF THE FDCPA AND FCRA.
Product: Payday loan, title loan, or personal loan

I got a personal loan of {$3000.00} from Lendmark Financial on XX/XX/2020, I made payments on time for the most part or within the month, yet they still charge me a late fee, thats fine but they charge me interest as well, for a while the balance wasnt even going down, they keep harassing me by calling me the day after my due date to pay them if I dont pay them, they even call all of my emergency contacts. I also made a large payment and the balance significantly decreased, I made the mistake of missing some payments but resumed quickly. Then I noticed I was paying my loan for about 6 months and my balance wasnt going down. When I noticed they were charging me so much and my balance wasnt going down I asked them for a breakdown of the interest. They didnt want to give it to me in paper, when I called them they didnt answer me or get back to me, about a month later they called and told me over the phone that I owed like $ XXXX In interest for not paying for some months and all my payments were going to interest and not principal. Ive kept making payments and it seems like theyre still doing whatever theyve been doing because my balance barely goes down. I am just very confused with this loan, Ive never had this happen to me and I believe I am a victim of predatory lending. I cant seem to get below {$1300.00} now, I dont want to continue making payments because I feel I already paid this loan off a long time ago and theyre playing around with the numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello. My issue is the Company called XXXX XXXX reported wrong inaccuracies to all three Bureau 's and instead of the deleting it off of my credit report they did nothing at all. I contacted Experian, XXXX, and also XXXX about this matter and asked for it to be removed due to inaccuracy have constantly tried to understand why is this still affecting my credit report when it has previously reported incorrect and inaccurate information. I am saddened by this matter and if you could assist me with this matter I would greatly appreciate you for it. enjoy the rest of your evening.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, inducing considerable stress and anxiety. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information associated with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to access my credit reports online using the XXXX XXXX XXXX XXXX website on XX/XX/2021 and on XX/XX/2021. During COVID-19 all credit reporting agencies are required to provide weekly reports, yet Experian denied my request both times stating that a condition exists that prevents them from providing my credit report online. I am using the most current operating system developed by XXXX and the most current browser developed by XXXX. I have every right to access my credit report online, and I expect this issue to be resolved immediately.
Product: Mortgage

Dovenmuehl Mortgage has been entirely negligent on my escrow account. 

I got a notice in XXXX from my COUNTY that my taxes hadn't been paid. I emailed and faxed Dovenmuehl copies of the notices in XXXX, XXXX and again in XXXX of XXXX because it still wasn't resolved. Dovenmuehle never responeded to my emails or faxes other than auto-replies to my email ( " we've received your email '' ) and I have fax confirmations. I assume it's been fixed by now ... .but, who knows. 

Then, I got a notice this month ( XXXX, XXXX ) that Dovenmuehl also failed to pay my CITY taxes. The notice from my city included a threatening letter of placing a lien on my property. I called Dovenmuehl today ( XX/XX/XXXX ) to check the status. While on the phone, the rep from Dovenmuehl acknowledged that they, too, had received notice from my CITY that the taxes were unpaid. She further said that she didn't know why ( a ) they didn't pay them in the first place or ( b ) why they hadn't taken action upon getting the UNPAID notice. It's unbelievable. Then, she said it would be 10-days to process the payment which I told her was unacceptable. She claims that she's expidited it for a 3-day turnaround. 

I have no faith whatsoever in this company. I had to call them in XXXX, XXXX, XXXX, XXXX and XXXX to follow up with them on their errors on my taxes. 

During these months, they also held one of my payments in suspense claiming that they had my escrow amount wrong. I was NEVER notified of a needed payment adjustment. And, they did not make a partial payment with the check I sent. I only caught the payment being not processsed when I went to reconcile my account at month end. I had to sent a new payment. I never received an invoice or notice from the company that my payment had changed OR that my payment wasn't able to be processed. 

It is SO STRESSFUL to worry about my house payment and taxes being made each month. My credit score is excellent ( XXXX ). I am NEVER late on payments. But, I can't control what this incompetent mortgage company does. 

TERRIBLE TERRIBLE TERRIBLE experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021. I submitted a re-investigation request for two of my credit accounts. These accounts are factually inaccurate and by law can not be reported! today is XX/XX/2021. I will provide the account numbers below : # XXXX # XXXX This complaint is in regards to trans union llc, the credit bureau.
Product: Student loan

Receiving 30-40 calls per day, as well as calls being placed to an XXXX  ex husband, childhood neighbor and even coworkers. All times of the night they are calling from fake phone numbers and even on weekends and holidays.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

My former mortgage lender, Chase Bank, is foreclosing on my home, even though they sold the mortgage to another bank ( XXXX XXXX XXXX ) two years ago. I receive statements from XXXX and Chase Bank has no longer any legal interest in the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my credit report. Transunion has a negative XXXX XXXX account on my report that does not belong to me. This is a violation of my rights because it is inconsistent with the other credit bureau agencies. Inaccurate information must be deleted according to the Fair Credit Act.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX  XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX {$120.00} XXXX  - XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX  - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have filed disputes with the FL Attorney General, Federal Trade Commission, XXXX, and Experian regarding the XXXX XXXX I was involved with. XXXX is reporting this loan as a Mortgage on my credit reports with Experian and XXXX, but timeshares should not be reported as a Mortgage according to the XXXX XXXX XXXX XXXX ruling No. XXXX. Should be installment vs mortgage loan.
Product: Student loan

My total student loan debt is around {$55000.00}. Half of that is federal loans, and the other half are private. The federal loans are easy to repay due to their income driven repayment plans. My private loans on the other hand are out of control. I am not even making a dent in them, and I have been graduated/fully employed for 2 years. The issue first started with Sallie Mae when they had me on a {$550.00} a month payment with a 5 year term to repay, which is absolutely ridiculous. I lived at home after I graduated because I could not afford to rent somewhere. Shortly after arguing with them about how I couldn't afford their payment, I refinanced with Navient through a website called XXXX. Only to later find out that Navient is a break-off company of Sallie Mae. While my payments are lower with Navient, they are slowly going up to a payment I will not be able to afford due to me relocating to a new city for work, and now having a new expense of {$900.00} a month for rent. I can't even afford to go get a new car because my disposable income is almost non-existent from all of my student loans I am paying on. I am truly drowning in debt, and have no way to start a life on my own. I blame part of this issue on the school as well. They never informed us the difference between federal and private loans. They basically wanted us to get the money we owed each semester in the quickest way possible and sign on the dotted line. There was ZERO educational information on what we would be getting ourselves into in the future.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from Cap One. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within 30 days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

This is my second attempt ; this debt is not mine. I have made attempts to let the company know that this debt does not belong to me. I've taken action with FTC. this needs to remove from my credit report. All three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen and used by an unknown person obtained and used credit cards debt, now in collection, impairing me from getting credit, rental anything that have to do with credit
Product: Debt collection

On XXXX the XXXX I sent a letter via certified mail to XXXX XXXX XXXX XXXX asking them to validate a debt that they reported on my credit report and to provide me with my signature. By law i have that right to have the debt validated. XXXX XXXX XXXX XXXX received my letter on XXXX XXXX and around the XXXX or XXXX of XXXX i received a letter back stating that they were unable to locate XXXX XXXX in their systems. If they were not able to locate me then why are they reporting to the collection agencies.