23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid the amount. And 3 three years later my wages were garnished for collection fees that were not indicated on the initial statement no validation was provided please see attatched documents attention to date Initial debt $ XXXX in full XX/XX/XXXX with cashiers check that cleared bank Additional fees not reflected in the billing statement that validated $ XXXX In the amount of about XXXX dollars for a Total of about XXXX dollars XX/XX/XXXX Three ( 3 ) years later garnished wages, never received court notice disputed additional charges. Paid additional amount over 5 months Should not have been charged collection fees predatory, fees and unfair, process shady very shady need help and explanation.
Product: Student loan

I was a recipient of a lawsuit against Navient for overcharging veterans interest, which was settled in 2015 with Navient being at fault. The settlement was given directly to Navient. I was in no way informed by Navient. The balance in the amount of approx {$35000.00} was not updated on my account and I was not notified by mail or email or telephone. I was not aware of the lawsuit until the IRS informed me that I owed back taxes in the amount of approx. {$11000.00}, which I am being charged penalties on in excess of my monthly payment. It was a difficult and confusing process to get the information from Navient customer service. They were finally able to locate the sum, but the records available still leave me confused.
Product: Credit reporting or other personal consumer reports

Please correct the information on my credit report Im not late on this account open sky. This account is closed. Please update everything and a positive way there a derogatory late marks on my credit report that should not be the ones in the green. You can just leave them if does does not reply once some accounts disregarded for each company, please update my statuses to green to paid. Thank you. The information thats is negative is not accurate.
Product: Debt collection

On XXXX XXXX I reach out to American First Finance about my account showing on my credit. When I did the automated service my information would not pull up, so I asked to speak with a rep. Once I spoke with a rep she informed me that my account was sent to a deft collector and she gave me Mercentile information. I reach out to them and was told my balance was XXXX but on my credit its reporting XXXX. So the rep told me that I would need to reach back out to American First for them to update anything on my credit. I called American First back and spoke with a Rep I explained that the balance was not the same as shown on my credit and if it could be updated on my credit. She told me that I would need to reach out the debt collector to make a payment. So I asked her why was the balance different she stated that she did not know and that I made a payment of XXXX. So I asked if I paid the XXXX why hasnt the balance been updated. She stated that I needed to pay the debt collector. So at that point I was confused. I asked her the same thing 5 times and she told me I already paid the XXXX. I even explained that I was trying to buy a house and needed to get this taken care of. I eventually asked for a supervisor and she transferred me back to the debt collector. So I called back to American First and she answered again and told me a supervisor was not available. A few days later I get a voicemail stating that American first was reaching out because of my complaint. I thought it was a supervisor and it wasnt. The guy said a supervisor would call me and I still havent received a call. Also I was told that my complaint would be passed over to the credit department for investigation on last week. Still no update. so I called today and waiting on hold for over 30 minutes and still didnt get any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with United Wholesale Mortgage ( UWM ). There is a 30-day late that occurred in XXXX/XX/XX/XXXX. An auto mortgage payment to UWM ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XX/XX/XXXX, because UWM cancelled our auto-payment when UWM shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, UWM did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XX/XX/XXXX. We made our first payment in XX/XX/XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by UWM. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from UWM, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX RETURN MAIL XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXXT XXXX ) XXXX Balance : {$7000.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} 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 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 XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items 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 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Mortgage

In XX/XX/XXXX, my partner passed away and I was namedthe personal representative of the estate. Since XXXX XXXXI have been attempting to work with Wells Fargo to completea deed in lew of foreclosure. Wells Fargo has assigned mycase to many representatives who tell me that this is basicallyapproved, then not approved, then it is assigned to newperson. Wells Fargo had stated on the phone, of whichthereXXXX have been many calls they have recorded. 
that this is moving forward and their are no issues. 
There is a line of credit with WElls Fargo of whichthey stated they declined the {$6000.00} offer from thefirst, only to tell me on the phone they reversed thatand would accept it. I was told today that the previousHome Preservation Spedicalist was removed from theposition, and that he had incorrectly selected the wrongscreen and put my case into a different status ( I still do notunderstand ) and that I would need to start the process overagain. I have done everything I can and have so many lettersstating that this is moving forward, only to have the letter thenext day tell me it is not, then the following day it is. I havehad no less than XXXX home preservation specialist. This hasbeen ongoing since XXXX and when I asked to speak to asupervisor I was given XXXX, only to be told today, that personwas not my preservation specialist supervisor ... .so I was liedto. I do n't know what else to do and need assistanceto get this moving forward so it can be closed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of the associated address is incorrect on the report. I have never been associated with the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information to three major bureaus and this is hurting my credit score. They are reporting that I owe a balance of {$2900.00} The payment status is charged off but they keep updating the file. Also they are listing different information to each of the three major bureaus. They reported to XXXX  that their last date reported was XX/XX/XXXX, they reported to XXXX that their last date reported was XX/XX/XXXX, and reported to equifax that their last date reported was XX/XX/XXXX. There is also inconsistencies with the date opened. XXXX states that this account was opened XX/XX/XXXX, Equifax shows that this account was open XX/XX/XXXX as well as XXXX. To my understanding everything must match when reported to each bureaus. This account is reporting with much inconsistencies as well as false information.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, Explore Credit debited {$310.00} from my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Product: Debt collection

On XXXX/XXXX/XXXX I spoke with XXXX XXXX with Southern manangement ( an apartment complex where I used to rent back in XXXX ). I called him because it is reported on my credit report that " consumer disputes ''. I am in the process to trying to get a mortgage and this dispute is hindering my efforts. I told XXXX XXXX that I had never been notified of this collection and that I had never disputed this issue, as I was not aware of it. He told me to send a request in writing asking them to remove the dispute, which I did on XXXX/XXXX/XXXX. I asked for a return letter from their company in 30 days, letting me know they had removed the disputed status. As of today, XXXX/XXXX/XXXX, I have not received a letter nor phone call from them and the dispute is still showing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i contacted Transunion about several inaccurate accounts on my credit report. Transunion used their stall tactics about things i needed to do. I let them know that I am also a victim of identity theft and to remove all of the inaccurate info including incorrect addresses, and accounts. The accounts are as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I sent in several copies of my Drivers License, with the correct address and transunion still have yet to remove any accounts. They have stated the accounts were verified but have not sent me anything verifying the alleged debt is mine. 
According to 15 USC 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation " any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I NEVER GAVE AUTHORIZATION TO ANY OF THESE ACCOUNTS TO RUN MY CREDIT I AM A VICTIM OF ID THEFT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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
Product: Mortgage

I went to a local Chase Bank, in XXXX to find out what I needed to do to surrender my XXXX property back to them. I had tried to sell the property when I got new orders to my next assignment in XXXX. Unfortunately, the housing market was extremely poor for sellers. Thankfully, I have had tenants. But, now 3 years ago, my mom 's health was steadily declining, so I retired back to XXXX to see after her. She passed away this past XXXX XXXX. My retirement pay had to supplement the XXXX mortgage, etc as well as take care of me here in XXXX. I tried to keep up, but the stress was mounting so I decided to give the XXXX property back to Chase. The bank got me a copy of the letter to surrender instructions. I followed it. I contacted my tenants, through my property manager XXXX XXXX XXXX, to vacate the property as of XXXX XXXX XXXX so that Chase would receive the property as of XXXX XXXX XXXX. I made it clear that I did not want any monies from Chase, even though the property was worth more than I owed. Chase has yet to receive the property. They are continuing to try to keep me connected with the property, overlooking their error. I am stressed and tired and disgusted. Please help Chase to honor what was originally sent me. I complied. I released my tenants. There is no rent. Up to the XX/XX/XXXX, I had the monies to pay the mortgage. As of XXXX XXXX, no rent to pay for a property, I in good faith, turned over to Chase bank. The original instructions gave no hint that anything else was required. Please help. My retirement pay is just barely enough to take care of me in XXXX. Please do n't let them harass or bully me. Thank you for any help and guidance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to unfreeze my Equifax account but is unable to do so online or via phone. I have my credit frozen due to Identity theft and these companies inability to secure information. I've always been able to do this online or via phone but for a couple of months now, I am unable to unfreeze my account either way. 
XXXX, XXXX it tells me to call XXXX to be able to log in. I've been logging in for years with no issue. I have then called at least XXXX times but each time, they have a different excuse from the database is being updated, please call again or I'm transferred to multiple people. No one could figure it out. I then called again today and talked to XXXX who said he can't find my account even after I verified all my information from my SS #, address, DOB, etc and he now wants me to send a copy of my ID, etc since he can't find my account in their database. I asked if the information to verify my account is available online but he said he can just tell where to send to this info. I explained that I need to check online and do just send a copy of any of personal information anywhere especially after being a victim of Identity thefts. 
I could really use some help since I'm at my frustrated on how to get this credit reporting agency to get their act together. I am unable to unfreeze my account and obtain credit. 

Thank you.
Product: Credit card or prepaid card

I purchased a visa gift card on XX/XX/2020. I found a fraud transaction that took away all of the balance ( {$500.00} ) and contacted the gift card bank right away. I email them ALL the required materials on XX/XX/2020 but after 20 days I only received a reply that they didn't receive all the materials .... I don't understand why all the files were included in the email but they said they didn't receive them. What kind of efficiency is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am in the midst of a very difficult divorce. I was left with XXXX college aged children. My mom had just died and her house was destroyed by a burst pipe last year. During this time, I accrued a medical bill which I felt was unfairly inflated. I put it aside and forgot to address it due to my overwhelming present life situation. A few months ago, I tried to contact the now debt collector after trying to discuss the bill with the doctor 's office first. I am willing to pay the original amount for the medical bill but not the huge debt collection add on. Nobody is willing to comply. The original bill is for {$220.00}. The visit did n't even actually help. The original problem that I went there to be treated for still exists. The agency is asking me for {$310.00}. I refuse to pay extra {$91.00} for the collection fee. I need help with this. I feel helpless and I am trying to do the right thing even though I feel the original bill itself was inflated.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

D2 Management Called today to inform me of a debt that I owed to a company that I know I had previously paid off. I became suspicious of the call when I was getting terrible customer service and she almost hung up on me when I stated calmly and politely that I needed her to send me information regarding the alleged debt, so that I could seek legal counsel on the legitimacy. At that point she said the only thing that could be sent to me was an agreement for payment plan. After that, I was told that since I wanted to talk to legal counsel, she would enter me as a REFUSAL and report me to the IRS.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following information : 1. Proof that I owe this debt : Provide documentation showing that I am legally responsible for this debt, including a copy of the original signed agreement or contract.

2. Breakdown of the debt : Provide a detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges.

3. Proof of ownership of the debt : Provide documentation proving that your company has the legal right to collect this debt, including a copy of the agreement transferring the debt from the original creditor to your company.

4. Account history : Provide a complete history of the account, including the date the account was opened, the date of the last payment, and any charges or credits applied to the account.

5. Original creditor information : Provide the name, address, and contact information of the original creditor.

Until you provide this information, I dispute the validity of this debt and request that you cease all collection activities, including reporting this account to credit bureaus. 
Additionally, if this debt has been reported to any credit bureaus, I request that you notify them that the debt is disputed. 
Please send all correspondence regarding this matter to the address listed above. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX says I owe XXXX for service at an address that I was not living at the time they mentioned the debt is from XXXX and I contacted landlord company and Apt was leased to a XXXX XXXX XXXX from XXXX and I have lived in New Jersey since XXXX can you please help me in this matter