23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. I contacted Finkelstein about a debt settlement for my XXXX debt 2. They told me XXXX to settle the debt over the phone. They told me as long as I pay by the XXXX it will be fine. 

3. I asked them to send a letter. As of today I have still not received the letter. 

4. In good faith I sent the check on the XXXX through my bank and it was postmarked on the XXXX. 

5. They called on the XXXX saying the check was late and that I owed {$500.00} to settle the debt. Additionally the man said I actually owed XXXX which was not discussed over the phone 6. I told them it is postmarked so according to law they received the check. He told this isn't Texas it's TN ( Even though we have a Federal Law that says otherwise he yelled at me and said I was too smart for my own good and that it was a law office and that they know what they are doing. 

7. I felt threatened and offended by the statement and he was continue to yell at me over the phone. 

8. After the phone call the check was cashed almost 10 minutes after. 

I feel like that they held check to intentionally give me bad information so I could pay more. Because this tactic cost me {$300.00} more.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed out a credit dispute asking that Transunion and XXXX verify accounts that are reflecting on my credit report and confirm that every piece of information is reporting accurately. I mailed out a XXXX  day follow up dispute on XX/XX/2023, it is now XX/XX/2023 and Both XXXX and Transunion have failed to respond within XXXX  days
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I paid {$10000.00} towards a {$190000.00} XXXX loan towards my principal in order to lower the amount for faster repayment. It did not reduce my principal or my monthly payment.
Product: Debt collection

I did not see a option for my complaint. There should be one for re aging old depts. Thats what portfolio recovery is illegally doing to me. My original dept with XXXX XXXX is well over 7 years but portfolio illegally re aged it to the year XXXX. They sent me a letter XXXX and i looked on my credit report and seen they illegally re aged the dept to XXXX. This is a clear violation of the ftc. I reported this to them but they dont care it seems I am just a XXXX citizen they feel they can prey on. Also my last 4 digits of my social security are XXXX. I could not enter it in the next step for some reason. Thank you for everything. God bless America
Product: Mortgage

Our mortgage loan was bought out by Lenderlive as of XX/XX/XXXX Since then we have had nothing but problems. We have been dealing with 2 different issues over the past 4 months with no resolution. 
First issue : Our property taxes, due by XX/XX/XXXX STILL have not been paid, and it is XX/XX/XXXX. We have emailed the delinquency letter weeks ago to the escrow department, however our escrow balance has dramatically decreased and nothing has ever been received by our property tax office. 
Second issue : We had an open insurance claim when our loan was bought by Lenderlive in XX/XX/XXXX. We provided all insurance reimbursement documentation to which Lenderlive acknowledged they would provide the remaining balance to us.We STILL have not received the last payment of our insurance funds. After XXXX checks returned for insufficient funds from Lenderlive we are still in dissolution and having to email the NSF checks to the company for " further resolution ''. We are extremely dissatisfied with the slow progression of our XXXX different issues. We have gone in circles with a representative on the phone about XXXX a week for the past 4 months. Lenderlive has reassured us multiple times that someone in " management '' would contact us to which NEVER has happened.
Product: Student loan

XXXX XXXX XXXX in XXXX ny was closed down, due to law suits against them. Unfortunately anyone whom attended before XXXX had to continue to pay their school loans. Anyone currently attending at the time, loans were forgiven. I lost my job at the time and was married. I called navient to lower my payments enough where I could make minimum payments however they denied me a income driven repayment plan or any plan. Instead they offered loan forbearance. Letting me accure interest. Since I had no choice and they gave me no other options or alternatives, nothing to help me just forbearance. I started off with a {$32000.00} loan now {$37000.00} loan and I've been paying since XXXX now its XXXX. Im complaining about how the school has never given me options and continue to not give any other options til this day. Their exact words " you've exhausted all your options ''.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately XXXX XXXX XXXX XXXX These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX keeps reporting that I was over 120 days late when we did a debt disbursement plan and none of it shouldve been reflected on my credit report. This happened in XXXX XXXX and XX/XX/2023. Everything shouldve been reported as OK with no late payment histories. Ive never made any late payments. The agreement stated that.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data reach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). 

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

The list of accounts below are a result of identity theft and have been reported and previously disputed with all three major credit bureaus. In hopes of correcting these inaccuracies I was then notified without proper investigation or proof that the validity of these accounts were accurate thus prompting me to look further more into the issue. 

Not only have they violated my rights to privacy according to 15 U.S.C 1681 section 602A, but also failed to provide me with a detailed explanation of how these inaccuracies were made nor have they been corrected which has led to a violation of my federally protected privacy and confidentiality by releasing and publishing inaccurate fraudulent information under 15 USC 1681. 

XXXX XXXX : XXXX {$500.00} XX/XX/2023 XXXX XXXXXXXX XXXX : XXXX {$610.00} XX/XX/2023 XXXX XXXX XXXX XXXX : XXXX {$790.00} XX/XX/2023 15 U.S.C 1681 Section 604 ( a ) ( 2 ) States that a consumer Reporting Agency can not furnish an account without my knowledge or written instructions.

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

I sent the attached letter to XXXX certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card has been blocked for a verification issue. Ive contacted Apple about this matter as soon as it happened and I keep getting told that someone would contact me via phone or email and no one has contacted me. I understand that things are a process but there no help were they keep telling me there is no time frame that they will call which means my card can be locked for such time. I need my card to be unlocked as soon as possible where this is very inconvenient and unprofessional where Apple is concerned
Product: Vehicle loan or lease

The account is showing as closed when account is open. Account is charged off and car was repossessed but I payed past due balances and got car back and back in good standing with Chrysler. However account is still showing as closed and past due by over 6,000.00 $ when in reality balance is at XXXX and monthly payment of XXXX are being made until XX/XX/2021.
Product: Debt collection

I sent a dispute to gurstel law firm and they never responded back and they started a lawsuit without giving me the opportunity to dispute the validity.
Product: Credit reporting

I have repeatedly requested Experian Consumer Assistance to remove a " XXXX XXXX '' who social security is quick different my my own, which is constantly hindering my credit approach to a better life. XXXX and XXXX got it right, still Experian has failed to correct the problem. See attached 8 page credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly dispute it from my report im a senior citizen and Im not sure this account is too old or incorrectly reported. 
I appreciate your assistance. 
Kindly dont harrass me and keep on sending letters, moreover please remove as i dont have or ever had any negative activity on my report. 
XXXX  XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX  is reporting a hard inquiry on my credit report without my knowledge or consent. They inquired on XX/XX/XXXXXXXX   and set it to continue until XX/XX/XXXXXXXX  They are reporting it for 3 years when it is supposedly only to be reported for 2 years. XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have recently been a victim of identity theft there's an acount from XXXX that's not mine I called the company letting them know acount is not mine I gave them my info and they say it doesn't exist. but it shows I have an acount from them on my credit 3 major credit agencies. 
I also have a collection from Transworld systems says it's XXXX the residence at XXXX I've lived in XXXX XXXX TX since XXXX these are not my accounts help please investigate Thank you. XXXX XXXX XXXX
Product: Prepaid card

I bought Vanilla prepaid cards and have activation slips and receipts. I have provided these several times to the company. They owe me {$2100.00}
Product: Credit reporting or other personal consumer reports

This is my 4th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/year>
Product: Credit card

I was charged XXXX dollars on XX/XX/24 for a payment to a XXXX XXXX. I do not know a XXXX XXXX. Navy federal disputed it and XXXX said I owed the money and provided me no proof. I requested it from navy federal and got the run around. No response. XXXX and navy federal refuse to do anything. Transaction ID XXXX
Product: Debt collection

XXXXXXXX XXXX  responded with in accurate information also up dates my the account on my consumer report After submitted, responded sent emails, Ive made phone call to them for the last three weeks I spoke with several agents & was giving different information on the account each time! At this point their VIOLATING my federal protected consumer rights according to the Fair Debt collections Practice Act 15 usc 808 XXXX XXXX continue to use UNFAIR PRATICE ACT following 15 usc 1692d ( 1 ), ( 3 ) as well as 15 usc 1692 ( e ) Pursuant to 15 usc 1692 K 813 Following 15 usc 1635 I again DEMAND XXXXXXXX XXXX to zero out this account & remove any & all details off my consumer report As well as refund any & all payment ever made upon this account
Product: Checking or savings account

It was about XXXX in the XXXX. I went to the US Bank ATM in XXXXXXXX XXXX. I needed to deposit {$800.00}. I had all XXXX dollar bills I put my money into the receptor. Some of the money went in two of the XXXX dollar bills got stuck at the top. I press cancel. And when the receptor opened back up, I saw the two of the XXXX dollar bills still dangling at the top and I was able to snatch out my other money. I immediately called U.S. Bank customer service to let them know what was going on. They stated to me that the actual bank is not in charge of the ATM. It was XXXX that was in charge of it. They will file a complaint and someone will get back to me. When I talk to someone on Saturday and they told me that the claim was denied. I wanted to speak to someone and I wanted to footage because everything that was going on, I know was recorded. They saw me snatching my money out they heard me saying that my money was stuck up there And now theyre saying that they are denying the claim. I do not have money to give away and I need my money back.
Product: Bank account or service

We just bought a home in Virginia with C & F Mortgage. Us Bank bought the note and is not honoring the biweekly payment program written into the note in paragraph XXXX. I just demanded they provide a audit and credit all of the additional interest they have charged, since they put my biweekly payments into a suspense account instead of applying them to the note. They also applied one of my payments to additional principle when there was no instruction to do so, and called to say we were behind on our mortgage several times. I need help with this arrogant and unwilling mortgage company.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. Please DELETE them XXXX XXXX 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

I have several complaints against Equifax that are still pending and open. My score just went up to XXXX points and now today dropped XXXX points with no reason giving. Every time I send in complaints against Equifax they are purposely dropping my score.
Product: Credit card

On XX/XX/year>2024 I made a dispute with American Express for a transaction from XXXX XXXX, 2024 with XXXX XXXXXXXX XXXX XXXX. This dispute was a second attempt after the initial dispute was closed. The disputed amount was XXXX. ( a portion of the original amount ). American Express should have communicated information during the XXXX period of time. Each time i called to follow up they indicated that XXXX XXXX XXXX  XXXX had not reached out and I had to wait the XXXX period for them to close the case officially. I made multiple phone calls to the dispute team requesting any follow-up information to which they indicated that their " back office dispute team '' is still working on it. Still, I indicated that XXXX XXXX XXXX XXXXXXXX have not responded to their inquiry. At no point did anyone mention an insurance claim, however today i recived notice that my dispute was closed and an insurance claim was deined. I did not make an insurance claim, i was not trying to make an insurance claim. My dispute was in regard to XXXX XXXX and the lack of evidence and response to their claim of damages. XXXXXXXX XXXX XXXX XXXX  has not responded to me in over 1 year. They claim over XXXX $ in damages. With no evidence or communication regarding the matter. American Express asked for a detailed estimate from a repair shop to which they did not receive. I
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I recently reviewed my credit report due to the nature not being able to obtain credit so that I am able to be a guarantor for my business credit, Unfortunately I have not been able to due to the nature of some unauthorized accounts on my consumer report and under 15 USC 1681 ( a ) ( 3 ) These Credit Reporting Agencies have assumed this role without my permission not only they didn't have my consent, they also did not respect my privacy and under 15 USC 1681 ( a ) ( 4 ) my rights have been violated.

The Credit Reporting Act has allowed these debt collectors to be placed on my consumer file as well as a list of inquiries I did not authorize. 

The Debt Collection agencies are as follows XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX Inquiries Made XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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: Debt collection

On XX/XX/2015 I went to the doctor ( XXXX ) I paid the co-pay at the time of service. I showed AR resources a copy of my receipt from XXXX. They continue to report that I owe this debt which is effecting my security cleareance
Product: Debt collection

My complaint is to creditor, NCC Bus Sv, which I was never notified of this ridiculous amount they claim I owe which is {$4500.00}. Last year XX/XX/2017 I vacated XXXX XXXX XXXX my rent was XXXX plus late fees 5 % which leaves XXXX, I left the apartment 2 months prior to my renewal date which was XXXX due to rodent issues. I was never contacted by this company thru mail or by phone, this year I got a copy of my credit report and it states that I owe this outrages amount which is twice as much I owed for rent plus the late fees, I want to know where did they get this outrages amount from.