23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX, I am an XXXX  who represents the XXXX Family. I am filing this complaint on behalf of XXXX XXXX and her son, XXXX XXXX. In XX/XX/XXXX XXXX XXXX was XXXX. He is unable to pay his bills make phone calls, etc. He gave his mother, XXXX XXXX XXXX his authorization to pay bills and to give and receive information so she can conduct business on his behalf. XXXX XXXX has asked for my help in resolving this matter. In XX/XX/XXXX we mailed a check in the amount of {$4600.00} to Ocwen Loan Serving along with signed authorization. We used the US Post Office to send the check and authorization and paid for tracking. According to the tracking verification,  Ocwen received on XX/XX/XXXX. At demand of Ocwen we also faxed the authorization on XX/XX/XXXX and XX/XX/XXXX, which they claim they did not get. We verified the fax XXXX. As you will see, the second fax number they gave us does not work. When my office could not get the fax to go through the second number, we asked the office next door to fax for us, it would not go through for them either. We want to know where the check is. Why they haven't applied the check to loan.
Product: Credit card

The XXXX credit card company is reporting a balance of XXXX on an charged off account. This account debt was cancelled over 5 years ago and discover still reporting this account opened with a balance. The IRS has given them the charged off tax credit and XXXX wont update my credit report and cancel the debt and show a XXXX balance. Actually this account is past the allowed time for reporting to the credit bureaus. Please investigate and remove asap
Product: Debt collection

I had a XXXX XXXX account years ago. Due to my divorce I was unable to pay my bill completely off. I was paying my bill as I got money. I never stop paying totally. I contacted XXXX XXXX and told them about the divorce. My account was sent over to a collection agency I reached out to the collection agency because the amount they stated I owed was incorrect. I ask for specific information, I got a letter with basic information just the account number, original account date and the amount owed. I waited thinking they would give me the information I ask for the original agreement, payment history etc.. I followed up to the collection agency with another letter, the collection agency then responded saying that they will not respond because my letter was duplicate and they didn't see a reason to give me the information I requested. I am asking for the information to see how the amount that is being requested came about. All 3 credit bureaus is reporting something different and I definitely know the amount is wrong. I am ad have been trying to pay my debt but I refuse to pay something that I don't owe. I understand my divorce is my own personal issue and I still am responsible I am asking for the documentation so I can pay my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have INQUIRIES passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/2023 ; XXXX  XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Debt collection

XXXX XX/XX/2023, I sent two certified mails to Convergent Outsourcing INC requesting a debt validation in regards of Debt {$200.00} reported to XXXX, XXXX, and XXXX. Prior to this I have never spoken to a XXXX from this company. 
As of XXXX XXXX, I have yet received my debt validation letter from this company. I have disputes this account several times. XXXX removed and XXXX has remove this account off my account but XXXX stated the company provided proof I owe them debt. 

Which I find hard to believe because I have not received a debt validation letter. 

This company is reporting this debt as a loan on my credit report and I never agreed to loan. 

When I called the company from my cell phone, it automatic transfer me to department without me stating my reason for calling. I was calling to verified their address prior to sending the certified mail and the lady kept trying to get me to update my account information. Which is weird because I don't have account with this company.
Product: Credit reporting or other personal consumer reports

It has been several months since my initial contact via mail and my complaints via CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

I am writing to bring your attention to the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting

Company has hidden interest charges and charging too high of an interest rates on my account stating that there was a special promotion, but at the time of purchase on eye wear there was no mention of it being a special promotion. Sales person said that if you use our coupon you would get more of a discount off your purchase. ( Sears )
Product: Debt collection

I have a XXXX credit card on my credit report for the amount of XXXX that was opened in XX/XX/2012. I have never had a XXXX Card/ I have recently tried to obtain credit and was made aware this is debt that owed by me. I disputed all three bureaus and I am showing the card listed on my report as XXXX XXXX charged off and XXXX XXXX both collecting on the same amount. Both are trying to collect a debt that I never applied for. This account is showing as being had payments, but I have NEVER made a payment on this card or ever done business with either. I called and asked about the address and the address given was a XXXX, NC, which is not my address or have I ever lived at that address. I disputed with all three bureaus XXXX, XXXX, and XXXX, and they have it listed as verified. This is fraud, and I would like an investigation to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX : {$1300.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$110.00} Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I spoke/written/emailed all the companies regarding the debt with XXXX XXXX XXXX XXXXAldous  XX/XX/20 I had called XXXX XXXX XXXX and attempted many times to get this account removed and was told by an employee I would have to come inside to cancel, which I am unable to because I live in a different city. 

Later that year when I called and spoke with someone from the gym they said it wasnt an issue and helped me cancel the account over the phone and sent a confirmation/cancellation letter showing a {$0.00} balance. 

They ( XXXX XXXX ) said they were putting an email through to have my fees waived. As I have not been living in the city for over a year and I had the letter. 

Then I received an email from Aldous, I wrote them a letter ( I completed the letter within the timeframe ) and provided the proof for cancellation and debt. 

They continue to hold the debt. 

I have sent letters/emails to all companies with the cancellation letter provided.
Product: Vehicle loan or lease

When i first bought the car ( XXXX XXXX ) my down payment was whatever i offered to bring to the table gave them my price which was {$1500.00} - {$2500.00}. He accepted my down payment but as we got to the end of the paper signing, Thats when he then added an extra {$1000.00} and said it was for his cut. so in total i paid {$3500.00} for a down payment. Now Before i get into anything else lem me just say when i went up there my eyes were specifically on XXXX XXXX, but i was told i couldnt get that for whatever reason but like a hour after the whole waiting game they had me look at cars that were within the years of XXXX XXXX. After looking at cars i had no interest in i asked about the XXXX again and they told me the same thing then later pull up with a XXXX XXXX XXXX and i asked how am i able to afford this luxury car but not the XXXX XXXX? i dont necessarily remember his was response but that was another eyebrow raise. Now that i about it all, whole process i went through to get the car was really skeptical but i didnt know any better because that was my first time purchasing my own vehicle. Fast forward to XXXX XXXX is when i started having financial issues, i was homeless and living in my car & just lost my job so it was hard for me to keep up with the payments which was around XXXX XXXXXXXX {$650.00} a month. i notified the Santander consumer USA the issues i had going on and they said theyll work with me, like a month later i started getting emails about repossession which was confusing because they told me theyll work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting

In XX/XX/2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX, at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Experian remove the Charge Off showing under my name with XXXX as well as remove this account and Experian as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.
Product: Debt collection

Phoenix Financial Services has placed a collection on my credit profile claiming that I owe {$97.00} to XXXX XXXX  XXXX. I have never been to that medical facility. Please remove this erroneous collection immediately.
Product: Checking or savings account

On XX/XX/2020 I saw that my account was overdrawn. I deposited {$100.00} the same day at XXXX. 
Today is XX/XX/2020. I woke up today to see an overdraft for the amount of {$52.00}. This includes an overdraft paid fee of {$36.00}. 
There should not be an overdraft fee. I covered the amount yesterday. Besides, the fee is added because a {$20.00} charge came out last night. I am intending on covering that amount today {$20.00}. There should not be an overdraft fee if I am able to correct it today. I have my receipt. The bank is not being cooperative. I also suspect this has happened multiple times before but I was unable to prove it. The numbers change overnight frequently on the app ( by numbers I mean dates and times of deposits, withdrawals, and overdrafts ). I have requested an audit of my account, but have been refused. I aslo receive my paycheck through direct deposit. They hold my check for 3 days before making the funds available, incurring overdrafts. They will not give me a clear explanation of this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time i receive a XXXX update and try to dispute an item online ; access is denied.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Credit reporting

I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

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

The following credit card accounts currently showing and listed on my XXXX, Equifax and XXXX XXXX are fraudulent and unauthorized accounts : XXXX XXXX XXXX, {$350.00} and XXXX XXXX XXXX, {$410.00}. I never applied for an account with XXXX XXXX XXXX  or XXXX XXXX XXXX. The accounts arent my accounts.
Product: Student loan

On XX/XX/XXXX I was alerted by a credit monitoring service that there were 3 late payments on my account from NelNet. I had never heard of NelNet and contacted the company as soon as possible, which was XX/XX/XXXX due to their office hours. 

After contacting NelNet is appears that a student loan I had thought was paid off was transferred to them in XXXX from my prior loan servicer ( XX/XX/XXXX XXXX XXXX XXXX ). I had never received any communication about the transfer. Shortly after the transfer I enteredXX/XX/XXXXand any amount outstanding was put into automatic deferral. I never received any contact from NelNet about the payments resuming as they had an address on file that had not been updated since XXXX. 

During my conversation with XXXX I explained that I could either make the account current and make payments, or pay the entire amount if either would result in the removal of the credit reporting action. XXXX said that I could not ask for this as I had not acted in " good faith. '' I then asked about the CARES Act, and asked why the XXXXXX/XX/XXXX were not in forbearance. XXXX informed me that although they were XXXXXX/XX/XXXX, because they were issued before XXXX they were private loans. I have not been, and can not locate and law regulation demonstrating that change. 

I was then transferred to XXXX 's supervisor XXXX, who informed me that by federal law NetNel can not remove the credit reporting. I asked him where to find the law to which he directed me to studentaid.gov and then NelNet 's website 's FAQ section. I had XXXX stay on the line to direct me to which he couldn't. I then asked if there was somebody that could provide either the law or additional help to which he provided me a " customer solutions '' e-mail address. After giving me the e-mail he warned me that any attempt to dispute the late payments would further " ding my credit. '' I have not received a response from NelNet 's " customer solutions '' e-mail address. 

I have never missed a payment in my life and have the funds and willingness to pay the amounts in full. The credit report of a late payment has caused my credit score to drop significantly at a time I am having a child and searching for a home to purchase.
Product: Debt collection

l was able to address an issue on my credit recently. l began speaking with Accudata, we came to a agreement and an offer was made. XXXX XXXX an accounts representative at accudata informed me the original creditor was not really wanting to settle but she was speaking with them. l had been in contact with the original creditor for a copy of my file and knew this was not true, they had in fact informed me that the debt had been sold and they just verify information if needed. We continued to come to certain terms with accudata, The first offer expired but we continued to negotiate. l requested a settlement letter stating how it would appear on my credit. XXXX XXXX informed me they would not provide the letter l had requested they thought of it as blackmail ... but if we would agree to pricier terms they would indeed send me a letter stating the terms l had requested. We received the letter and paid the agreed amount. When Accudata reported to the credit bureaus they did not adhere to the agreed terms in the signed settlement letter and had no problems being fraudulent and untrue in the statement letter XXXX XXXX sent to us. They in fact stated the opposite. We had also proved we were not responsible for part of the debt. When l contacted XXXX XXXX she stated to me that she did not attach the comment to my credit and it was not her problem how they added or reported items. The credit bureaus are information gathering institutions and report what is reported to them, so XXXX XXXX you are indeed responsible to report true and accurate information and most definitely should not be fraudulent with signed statement letters claiming to settle, report ... .then do not adhere to the settlement agreement. Collection agencies should not be allowed to operate this way. When the are making a profit from buying a past debt and the original creditor is being paid, how would you even know or care if the facts were true ... your getting paid. l realize XXXX XXXX has a job to do, and deals with all types of individuals. Everyone is not the same. And to ruin an individuals credit for another 7 years, when they are trying to do the right thing just seems wrong. l hope this lnformation will help the public in dealing with Accudata. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, while on XXXX XXXX my personal information was lost on XXXX different occasions. Where someone was using my credit card to purchase all kind of products back in around XXXX or XXXX. It's so long so I don't have exactly date, I called in and was to that this matter was going to be fix which it didn't for over XXXX dollars. 

My second dispute is with southwest credit service. I have been a member of XXXX for all most 20 years and paid all my bills up to date. I have no recollection of of a XXXX service from these guys.
Product: Credit reporting or other personal consumer reports

My experian account was hacked and the persons involved was able to obtain all my personal information, change my login information, cancel my service with the company had access to my social birthday and bank account information and the company would not notify me about changes, and would not give me the proper information I needed to file reports with local and federal agencies. There was another email linked to the account that was not mine and had taken control over my account I have provided the picture of the email that was in control of my account.