23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello i am trying to get my funds like the us bank closed my account and i have money on there they keep turning me around telling me that the funds or check will arive within 7 days or 10 days of closing the account and it never came it has been XXXX plus days now. Please help because i need the money to pay rent
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error and unauthorized. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

I want to file complaint against XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and I.Q. Data International , INC. ( XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX ) What they did severely impact my life and harm me financially. First of all, they imposed a debt on me, which I did not owe. Second, they hurt my credit score so bad that I might not be able to get a mortgage, the interest rate would be much higher than what I supposed to have even I can qualify for a loan. Third, I have been suffering emotional stress in the process of finding solution and communicating with XXXX XXXX XXXX. and I.Q Data. Forth, I might lose the chance of buying my first home. I might need to pay more in future if I don't buy the house now. 

I was employed by a company in XXXX, AL from XX/XX/XXXX to XX/XX/XXXX. During this two-month period, I stayed in the company offered apartment at XXXX XXXX XXXX. I no longer live in the apartment after I left the job. 

I found out that there is a {$2000.00} collection on me when I tried to get a mortgage to buy my first house in XXXX, XXXX. And, my credit score dropped to XXXX. I called I.Q. Data International, INC whose contact information was listed on my credit report, and found out that it was XXXX XXXX XXXX. put the collection on me. I filed dispute immediately on XX/XX/XXXX. I also contacted the company I worked for in AL. 

I lived in XXXX XXXX XXXX for only two month in XXXX because it was company-offered lodging. The company I worked for renew the rental lease in XXXX, XXXX and the company terminated the lease before it ended. According to the manager of the company, the early termination of the lease was because XXXX XXXX XXXX. did not repair water damage in the unit, the unit was not suitable for living, and XXXX XXXX XXXX. refused to switch a good unit for the company. Then the company has to terminate the lease. XXXX XXXX XXXX hires I. Q. Data to collect whatever they think the company need to pay. 

Long story short. No matter what happened between XXXX XXXX XXXX and the company I worked before, it should not be my responsibility to pay for whatever between them. I did not sign the rental lease. Even though XXXX XXXX XXXX. lists me as a roommate in XXXX, I should NOT be a roommate for XXXX when they started a new lease. I was neither a leasee nor a roommate. XXXX XXXX XXXX. and I.Q Data are misusing my information. They should contact the company to solve the problem instead of putting the debt on me.
Product: Student loan

I am managing two student loan accounts. One is my account, one is in my mom 's name. During COVID, the loan in my name was paid down to XXXX. When there was an announcement that $ XXXX will be forgiven per loan, we decided to take advantage and transferred the $ XXXX worth of payments made on my account to the larger loan in my mom 's name, allowing a total of $ XXXX to be " forgiven '' amongst the two loans instead of only $ XXXX on XXXX loan. The funds were transferred by our old servicer, Great Lakes. When I found out that the pause was ending and no loans would be forgiven, I realized I would have 2 large student loan payments each month instead of one. I called Nelnet on XX/XX/XXXX and waited 1.5 hours on hold and was unable to get through. On XXXX XXXX, XXXX, I waited on hold for another 2.5 hours to get the funds transferred back to the loan in my name, where the funds were originally intended. I was told my request would be processed in 10 business days, but had no record sent to my mom 's loan or my loan that this is being processed. On XXXX XXXX, I called and waited another XXXX hours to speak with someone about an update, to which they stated that they had no update or timeline. I told them how I had waited over 3 hours and they have XXXX more information for me? She said " I'm sorry, we don't. '' I asked for a supervisor and she said she could get a supervisor, but they won't be able to give me any more information. I waited another half hour for the supervisor, hopeful for more info. The supervisor told me she could send a generic email from Nelnet to my mom 's email that says " We're processing your request, '' but again, within the email, no timeline or solution can be given because they are so " swamped '' ( understandable that they're swamped, but no timeline is frustrating ). An expedited request is not available. XXXX is coming up and I will have to pay two loan payments instead of one because I don't know if and when this transfer will be processed. I guess I shouldn't have tried to take advantage of the forgiveness, but now I'm in a pickle with no updates. I could try to call them again in two more weeks and risk being on hold another 3 hours ... I just want a resolution.
Product: Debt collection

This issue is been going for quiet some time. 
Late in XXXX I received a letter from Nelson and Kennard stating that they represent XXXX XXXX and that I owed about {$10000.00}. I had no idea who XXXX was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact XXXX several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to Nelson and Kennard. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Exeter Finance LLC., has violated my rights, thus this complaint for Unfair Debt Collection practice. I purchased XXXX XXXX XXXX on XX/XX/XXXX. The Auto loan was finance by Exeter Finance LLC. However, on XXXX XX/XX/XXXX, l suffer a job loss. After reviewing my consumer credit report, l noticed debt collection charged off by Exeter Finance. They alleged charged amount owed {$23000.00}. Amount reported to Credit Bureau {$25000.00} ... by Exeter Finance LLC., without proving any relevant additional contact information for account transfer see attachment F. 
I have made numerous attempts to contact Exeter Finance to address this debt obligation, see attachment XXXX XXXX XXXX, in an effort to make a payment arrangement and received no return correspondence. 
Subsequently, l attempted to dispute the debt from the Credit report and the Credit Bureau reported that the debt was in fact, verified by Exeter Finance and continued to report the debt see attachment XXXX XXXX. This Continued reporting without providing me a opportunity to paydown the debt is now creating employment issues for me as well as making it difficult to get hired due to the derogative reporting by Exeter Finance.
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the account are Collection without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma was posting pre-approvals onto my account which in turn I applied, was denied and cause hard inquiries on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, I went through a financial hardship. I sought help from many financial institutions. I finally found a company, Freedom Debt Relief ( FDR ). I was promised that through their sister company that all my debts would be consolidated & paid off. That never happened. Anyways, I joined there program complying with their requests : I closed all my accounts & had {$690.00} withdrawn automatically from my checking every month to the present. 
After many months, all my accounts were charged off. FDR reassured me that it meant nothing. They told me my credit score would drop a little, but after six months it would start going up, again. They told me not to apply for anymore credit. Little did I know at the time how those charges offs would affect me in the future. I was never informed that I was liable for those charge offs to the Internal Revenue Service ( IRS ). 
Even though the accounts were being settled for less than owed, I was paying FDR 20 % of the full amount of each enrolled credit card & personal loans. Also, I had to pay the settled charge off amounts to the IRS. So, not only are the creditors able to write those charges off to the IRS, they still get to collect the settle amount. Win-win for the profitable creditors. 
Meanwhile, I have to struggle to work just so I could payoff all my financial obligations. I have not missed any payments in the last 48 months. Yet, I still can not even get a simple XXXX XXXX or XXXX credit card, because I have derogatory information on my credit report which has to remain on my credit report for seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Validation of Debt Inquiry - Account Reporting Dispute Dear Sir/Madam, I am writing to dispute the accuracy of certain information appearing on my credit report. According to the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g, I hereby request validation of the debts associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After carefully reviewing my credit report, I have noticed that the aforementioned accounts have been reported, but I wish to assert that I have no knowledge or recollection of these accounts. As per the FDCPA, I have the right to request verification of the debts to confirm their validity and accuracy. 

I dispute the accuracy of the account number, high balance, and any late payments associated with these accounts, as they do not align with my financial records and do not meet the guidelines established by the Fair Credit Reporting Act ( FCRA ). As such, I am seeking detailed information on the origin and validity of these debts. 

In accordance with the FDCPA, I kindly request the following information for each account : The complete account history and details of the original creditor, including the date the account was opened and closed ( if applicable ). 
Verification of the debt amount, including an itemized breakdown of the outstanding balance, interest charges, and fees. 
Documentation proving that I am legally obligated to pay the alleged debt. 
A copy of any signed agreement or contract pertaining to the debt, bearing my signature, that confirms my acceptance of liability for the alleged debts. 
Proof that the statute of limitations for collecting this type of debt has not expired. 
Please be informed that until these requested details are provided, I expect that the disputed accounts be flagged as " in dispute '' to prevent any negative impact on my credit score and creditworthiness. Additionally, I request that all communication related to these accounts cease until their validation is completed and the accuracy of the reported information is verified. 

Kindly acknowledge receipt of this dispute letter within 30 days of its receipt. If you fail to respond or provide the requested validation within the stipulated timeframe, I reserve the right to seek legal remedies available to me under the FDCPA and FCRA. 

I have enclosed a copy of my credit report highlighting the disputed accounts for your reference. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After using other financial services online which would normally include access to my transunion report, my account is being blocked. I can not login to my own account, I can not review the information on my transunion report. There is nowhere that they respond when an email is sent to the credit reporting agency. I have no rights to my own credit report at all.
Product: Credit reporting or other personal consumer reports

capital one has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and capital one continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so capital one is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting that I have inquiries on my report that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

On my transunion credit report these unauthorized hard credit hit on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XXXX XXXX and XXXX XXXX, I submitted a dispute to Experian informing them to investigate that the XXXXXXXX XXXX XXXX  Account XXXX that is being reported in my credit report is indeed accurate and that they have investigated an obtained an original copy of the contract that had my signature present. Both disputes came back stating XXXXXXXX XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, account # XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union XXXX XXXX has violated my rights.

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 and I did not give any written or oral instructions to do so.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

the following inquiries are listed on my account i did not give my permission to these companies to access my credit profile on these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX 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.
Product: Mortgage

To Whom it May Concern ; I am writing and asking for help re mortgage. Currently mortgage is with MR. Cooper. 
Mr. Cooper is not lender. Mortgage was sign originally in XXXX with XXXX XXXX a Division of XXXX XXXX XXXX XXXX XXXX. In XXXX was transfer or sold and currently is with MR Cooper who is 3 party on this mortgage. Mr. Cooper provides only invoices and account information. This loan is agreement with XXXX XXXX Rates. Rates are changed every 6 months and are between 11.75 % and 5.750 % .Currently LIBRO will be phase out and will be replaced. How I am affected with this change? Please can you advise or recommend any other agency who can help and look at this closer in history of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Equifax : 1. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/2019 2. The following inquiry was made without my knowledge or consent XXXX XXXX Date of inquiry : XX/XX/2019 XXXX. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/2019 4. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/2019 XXXX  : 1. The following inquiry was made without my knowledge or consent XXXX XXXX  Date of inquiry : XX/XX/2019 XXXX : 1. The following inquiry was made without my knowledge or consent XXXX  XXXX Date of inquiry : XX/XX/2019
Product: Mortgage

Lakeview Loan Servicing has been servicing our mortgage since shortly after we closed on our new property back in XX/XX/2023. They are a very dishonest and abusive company that is attempting to steal money from its customers. Here 's what happened : XXXX. We received a supplemental property tax bill from XXXX XXXX in XX/XX/2023 XXXX. We called Lakeview and asked if they were going to pay it, they said no- they do not pay supplemental taxes and that we need to pay it XXXX. We paid the first installment of the supplemental tax bill ( 2 in total, 1 due in XX/XX/XXXX due in XXXX ) XXXX. We received an annual escrow analysis that showed a shortage and bumped our monthly payments up significantly. This escrow analysis showed that Lakeview paid the supplement tax bill, had a much higher insurance premium than our policy, and showed projected disbursement in XXXX as including the second installment of the supplemental tax bill XXXX. I called XXXX, and they said they don't know what happened but they received a refund for the double payment of the supplemental tax. I asked them to adjust the escrow analysis and they said it would take 10 days XXXX. 18 days later I checked and there was no update on the escrow analysis, I called and the agent didn't know what happened and opened up another ticket They are feigning ignorance / incompetence and blatantly trying to steal our double supplemental tax payments ( > {$6000.00} total ) and overcharge us for insurance. I still do not know if they will credit the refund they received from the first double payment of the supplemental tax or what the projected disbursement in XXXX will be ( are they paying the second installment of supplemental tax? or are we? or do they expect us to double pay again so they can pocket the refund ). 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$150.00}.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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.