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

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer right to private and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of
crimes which antedates the report by more than seven years.

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: Mortgage

Dates are included in the attached document. Actions or " actions '' are described therein, too. The amounts were disclosed in the previous complaint ( # XXXX ). In nutshell, I own house, that is my only home, i.e. I will be homeless  if I lose it, that lost a lot of value after 2008, so it is not nearly worth as much as the mortgage on it. The mortgage is not in my name and was not my responsibility, but my ex-wife 's, who abandoned the property and defaulted on mortgage. The previous servicer ( XXXX XXXX  ) was negotiating with me the loan modification in my name, until they sold the mortgage to Selene Finance, that promptly put me in foreclosure. They refuse to negotiate with me, and are trying to eschew the mandatory legal process. They are not notifying me, my attorney, or the mediator about their actions, and instead send their decisions to my ex-wife who does not live here, hoping that I will not receive them and respond to them. This illegal behavior MUST STOP.
Product: Student loan

I notified Sallie Mae in XX/XX/2019 that I was enrolled in a university program by uploading the documents they included on their website once my university filled it out confirming my enrollment status and what dates I was likely to be enrolled. Sallie Mae sent me a generic rejection letter on XX/XX/2019 ultimately saying that the form -- their own form which was completely filled out -- was rejected for possibly a number of reasons. So after a call to them I discovered that the reason they rejected it was because the school official electronically signed the paper instead of paper signing it, even though they maintain an option to upload this document electronically and give no upfront mention of this requirement ahead of time. They have still been charging me and I have been paying them until recently when the pandemic started to negatively affect my finances. So, in XXXX of this year I had the form redone but this time Sallie Mae rejected it stating that it wasn't filled out by an authorized school official -- -even though the same information was included on the previous one as well. Requiring someone to go in person to the school, even though all my classes are online and all my other business for the school is done electronically, for a signature that can be obtained multiple ways with our technology is unnecessarily reckless and dangerous in the current pandemic. I accuse them of being predatory by refusing to acknowledge my in school enrollment on their own completed form and of continuing to charge me for loans that should've been deferred months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent and not my account : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX Bank, XXXX. XXXX, {$2000.00}, XXXX XXXX Bank, {$570.00}, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Bank, XX/XX/2022 XXXX XXXX Bank, XX/XX/2022 and XXXX XXXX XXXX, XX/XX/2022
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. It was not signed by anyone, but stated that it was to collect a debt and that if I needed additional information, I should contact them. ( I did have a charged off account from XXXX XXXX XXXX in XX/XX/XXXX, which I tried to make arrangements to pay, but due to not having a job, they stated that I could not make payment arrangements because I could not show a source of income,,, even after I told them that most of the payments that had been made for the last 10 years of good payments were made while I did not have an employer. It was very frustrating to try to work out an arrangement and eventually failed, because I would not lie about income. ) The letter from C and W indicates a balance due of more than {$4000.00}, but the limit on that card was {$4000.00}. They state I should contact their office to make arrangements to pay the unpaid balance. ch The letter was dated XXXX XXXX, 2017 and they gave me 30 days to dispute the validity of the debt or any portion of the debt. It states that no attorney has evaluated or reviewed the circumstances of " my '' account, but that it is from a debt collector and an attempt to collect a debt. It is not signed by anyone, only Sincerely, Cooling and Winter. I not feel comfortable replying to or calling them. Is this a legitimate way to practice?
Product: Student loan

The loan is currently with William & Fudge Collections. They aren't able to produce any signed documents stating I put in for the loan. Even if they did, and I wanted to pay them off, they still want me to pay 80 % of the bill and are holding my transcripts until then. I want to go to school. Please help. This has been going on since XXXX the debt is from XXXX and I still can't go to school!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The status is incorrect for the following accounts an these accounts are not mine. 
XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX. Balance : - XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Identification number XXXX Date filed XX/XX/2020 Status XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Complaint for attempts to collect fees paid at time of rendering services by XXXX XXXX XXXX XXXX XXXX. ( several years of attempts! ) After being bombarded with collection agency notices for five separate {$30.00} fees from nearly a decade ago ( total {$150.00} - {$180.00} ), I contacted the company and told them these fees / debt was paid at the time of services being rendered. The attempts to collect increased as they did not even attempt to appear to verify my assertions that these were paid at time of rendering. The attempts by XXXX, a debt collection agency, increased and now phone calls were added. I dug through my old records and found the appropriate records of these payments. I next contacted the medical facility were the services were given and fees paid for by myself. This required over an hour of digging through records, organizing them and contacting the provider, XXXX XXXX XXXX XXXX XXXX ( now operating as XXXX XXXX ) spending nearly a quarter hour with them and their many, many phone transfers, delays and more as they tried to find someone who would address my situation. I was able to eventually speak to someone in accounts that had relevance to my collection harassment basis. I cleared up the matter and emailed/faxed copies of my payment receipts from the dates noted for " collection. '' They agreed these records show the payments their records failed to reflect. Their records were flawed, not my payments. Fortunately, I keep records or I would have no evidence of payment. Their collection attempts began again in a most harassing manner. I have had to put several hours into dealing with their incompetency in record keeping and the average person would have to pay them again and again for the same debt. They appear to use old debts that are difficult to validate payments and insists they have not been paid. Their repeated efforts, even after proven paid, indicates a nefarious behavior on the part of the collection agency, or worse, or a callous indifference to the public at the least. Their incompetency has cost my several thousand dollars in lost time, and untold costs for their repeated efforts based on incompetent records, all of which hyper inflates health care cost in this microcosm, multiplied nationally and were talking $ billions and hundreds of thousand son people losing time, personal or productive, It is their time, it is my time. <P/>When a company continues to harass a patient for fees long paid, something is terribly wrong with the administration all the way to the proles blindly making debt assertions, damaging the public and the individual, this time it is me.
Product: Credit reporting or other personal consumer reports

Identity Theft someone opened CreditCard and Installment loan in my name i requested for Experian XXXX XXXX XXXX to remove it and verify the fraud and got no help in resolving the issue I was blocked from my experian online to help the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS XXXX  COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND MACYS HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK MACYS TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.
Product: Checking or savings account

On XX/XX/year>, I made an electronic transfer from my external checking account into my Apple Savings account ran by Goldman Sachs. They placed a hold on the funds until XX/XX/year> which resulted in me not being able to pay my Apple Credit card balance on XX/XX/year> and I was charged {$230.00} in interest. I contacted Apple Card to request a refund and they refused saying the full balance wasnt paid. I contacted Apple Savings and they said it takes them 1-5 business days to process an electronic transfer. I dont believe thats accurate in todays instantaneous payment systems and according to Regulation CC , Section 229.10 ( b ) ( 1 ) funds from electronic payments for deposit should be made available the next business day, which wouldve been XX/XX/year>, plenty of time to pay my credit card balance in full and avoid interest charges. I requested Goldman Sachs Apple Savings refund me my interest charged of {$230.00} and they refused.
Product: Checking or savings account

ORDERED NEW DEBIT CARDS FROM NAVY FEDERAL CREDIT UNION AND RECIEVED FAKE CARDS THIS IS THE SECOND TIME IN LAST TWO WEEKS FAKE VISA DEBIT CARDS HALOGRAM OF BIRD IS JUNK MAGNETIC STRIP IS A JOKE. 

XXXX XXXX XXXX DID SAME EXACT THING THEY COULDNT DISCUSS MATTER OVER PHONE SAID THEY WOULD ONLY TELL ME WHAT WAS GOING ON IF I WENT TO BRANCH SO I went branch CLOSED MY ACCOUNT Same day they still would not tell me why my pension check was not deposited half my check was pending they said.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX XXXX, account number # XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX. 


I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. TransUnion shows the date of last activity as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 

As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan from OneMainFinancial 2.5 years ago and I have been paying {$350.00} per month but I noticed that my loan balance is not going down, it remains {$9000.00}. I called and asked them why I am paying every month {$350.00} and my balance is still the same. They said they charge {$8.00} per day if it's paid after the due date, that was the first time I was hearing about that. I asked them to send me the contract for about 10 times but still haven't received that. I asked them to reduce my balance, they refused. I feel like I am getting ripped off.
Product: Consumer Loan

In XXXX 2014, they repoed my vehicle - upon them receiving the next day {$1800.00} XXXX ( more than what was owed ) they INCLUDED all the necessary fees affiliated with the REPO charges. Thereafter, a full and final payment of {$460.00} was mailed to Westlake to pay the remaining balance OFF IN FULL. ( check cashed ) A couple of months passed and I called to follow up on the title being mailed to me. I was informed that I had incurred additional charges of {$140.00} for the remaining of the repo bill. I was furious - because I knew they were being very dishonest. In no way would they have released that vehicle to me without all fees being paid in full. 
Not only have they refuse to forward my title to me they have reported Derogatory remarks with all XXXX credit bureaus. 
with all XXXX credit bureaus damaging my credit history. My vehicles is paid in FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies delete the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX  XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$970.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXXP XXXX Balance : {$3300.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Student loan

In XX/XX/2023, I applied for the SAVE repayment plan. My monthly payment came to {$670.00} which is entirely too much, as we are a XXXX income household of soon to be XXXX. At the time I applied for this forgiveness, I had stated I was working, however, I soon quit that job. Even so, my husbands repayment amount was not nearly that high, his came to be {$50.00} per month. I do not believe this agency took the proper steps to ensure the amount that was given would work around our income.
Product: Debt collection

Portfolio Recovery Associates, LLC claiming that I owe {$350.00} which is incorrect. I have tried to communicate with this company but they refuse to acknowledge the errors of this account. For the past 5 month I have tried to resolve this and they refused to correct there reporting on my credit reports.
Product: Debt collection

I received a bill in the mail from Lockhart , Morris & Montgomery , Inc for {$520.00} around XX/XX/XXXX, I called them and asked what the bill was for. They said it was a medial charge from a medical facility in XXXX Texas from XXXX. They asked me to verify my address, social security number and date of birth, I did not give them any of this information so I asked what address they had on file, they said a XXXX Oklahoma address that I am not associated with, they gave me the last four of the social security number on file and it was not correct, they then gave me the date of birth and it was not correct. I contacted the medical company that sent them claim and they said they didnt have any of my information on file. I can't remember the name of the company. 

I spoke with Lockhart again and they said I must contact a credit reporting company, so I filed disputes with XXXX, and they were able to get this removed from my report. I then later applied for a home loan and found out that this collection was still reporting on my credit report account along with other accounts and addresses that were not mine, so I filed a credit dispute with XXXX, XXXX and XXXX. 

XXXX and XXXX were able to get it resolved on my credit report, but XXXX is claiming it's my debt. I filed three credit disputes, though XXXX and they keeps telling me there is nothing they can do, and Lockhart keeps telling me I must take it up with the credit reporting company.
Product: Debt collection

I contact ARC MANAGEMENT GROUP LLC on XX/XX/2024 asking for information about a collection that recently appear on my credit report, and the customer service lady from this company refuse to provide me the information about the bill. I asked her to send me the bill to my email so I can provide it to my insurance company so my insurance could pay the bill and she refuse to do it and instead she will send it through the us mail and, it will take two days to have the bill on the mail, I'm still waiting for the mail. I contacted this company again and spoke with the same lady now asking her for the original creditor information so I can contact them and get more information about the situation and the lady hung up on me 2 times. The reason I was asking her it was because i made my research about the original creditor and i couldn't find any information. I Called to so many medical places like hospital, clinics to see if they could have any information about this bill but no one couldn't help me. I also contact my insurance company and they said that in order for them to pay this medical bill I need to provide the information or an original bill.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX from the wrong business account ( XXXX XXXX spark ). The check was returned NSF. When I realized I made the payment from my other business account XXXX XXXX so that I would be on time. That payment posted XX/XX/XXXX/18. I put money in the XXXX XXXX account on XX/XX/XXXX and they withdrew the payment from my account but never posted to my American Express. I have called 3 times and the representatives keep telling me the check was returned. I called XXXX XXXX XXXX and they said since its on line payment the funds are gone. 

NO FUNDS have been posted to my American Express and no money placed back in my account
Product: Mortgage

My original mortgage company round point mortgage sold my mortgage to freedom mortgage. My original payment was $ XXXX monthly which round point claims increased to almost $ XXXX due to an increase in home insurance and property taxes which isn't true. During the pandemic while in forbearance they charged a bunch of misc fees and now that I'm with freedom mortgage I owe more than my original loan from 3 years ago. Please help or advise.