23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this is a debt for an apartment that I signed for my son, o explained to this company. this account was a pay to delete agreement. I paid XXXX dollars to this company for this debt that I did not incurred but I signed for my son to live there so I was held liable. once I pay the debt to National credit systems I received a letter stating the account was paid, so I immediately thought the process to delete this from my account would follow. from XX/XX/XXXX until XXXX XXXX I know this account should have been adjusted. so I wrote them a good will letter and explained what was agreed upon payment and that I kept up end of the deal and they did not. I want this account deleted from my credit file all XXXX as I was paid and agreed upon. I faxed and mailed letter to this company and no response or removal of this account from my credit file. They are holding my credit file hostage with his derogatory information that was suppose to be deleted years ago. I want his account removed asap from my credit file.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$1.00}
Product: Credit reporting or other personal consumer reports

On my Equifax report, there is a duplicate charge off with all the same dates and amounts but with a different account number. I disputed this on MY Equifax as well as my husband 's Equifax. The duplicate account was removed from my husband 's credit report but BOTH the correct account AND the duplicate account were confirmed on MY Equifax Report. I do not understand because we've only had ONE account with this company with ONE vehicle. I have redisputed the item but Equifax told me to file a complaint and add the complaint info to my dispute so that is what I'm doing. Here is the info regarding these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Correct account is account ending in XXXX. 

Duplicate Account : Acct # XXXX Opening date : XX/XX/XXXX Last pmt date : XX/XX/XXXX Charge off amt : {$10000.00} Again, the duplicate account ( # XXXX ) has THE SAME EXACT DATES AND AMOUNTS as the correct account ( ending in XXXX. I think the whole account number for the correct account is XXXX but I am not 100 % positive since the credit reports do not give the entire account number ). 
I do not want to contact XXXX because I do not want to begin with harassing phone calls and I do not want to accidentally " start the collections clock '' again. Thank you.
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. 

1.XXXX XXXX ACCOUNT XXXX XXXX has violated my rights. 
2.XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
3.XXXX  XXXX ACCOUNT # XXXX XXXX has violated my rights. 
4.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
5.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX  has violated my rights. 
6.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
7.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not give permission to pull credit and was pulled to many times
Product: Debt collection

I am writing to formally dispute the information reported on my credit report regarding account number XXXX, Suncoast Credit Union. According to the credit report provided by XXXX XXXX this account XXXX marked as charged off, despite the fact that the balance was paid in full on XXXX of 2022.
Product: Debt collection

I am a federally protected consumer and I sent Bridgecrest a cease and desist that was received on XX/XX/2020. This is a violation of 15USC1692g ( B ). The letter that was sent to me by Bridgecrest had threatening language in it that has caused stress to myself and my family.
Product: Mortgage

Well Fargo refuse to report to credit agencies payments made to account call number of times get same response for pass 6 months going into 7th month as I file this complaint your mediation will be greatly appreciated
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Mortgage

XX/XX/XXXX : Requested discontinuation of private mortgage insurance ; submitted lender 's required forms and payment XX/XX/XXXX : Reported that lender had taken no action XX/XX/XXXX : After contact from CFPB, lender admitted they had kept and cashed requested payment but lost request form ; form resubmitted XX/XX/XXXX : Lender approved discontinuation of private mortgage insurance but did not drop it ; upon request for information, lender responded that it was a complicated thing to do and would take more time. 
XX/XX/XXXX : Still no action from lender to discontinue private mortgage insurance It has now been almost XXXX months that I have been trying to work this through with NewRez. I have contacted them by phone, email, and chat, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/23 to Early Warning regarding the following account : XXXX XXXXXXXX. Here is my tracking numberXXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I want to know who did they talk to How did they complete this investigation Be advised that that both XXXX XXXX and Early Warning have failed properly investigate and ensure that my credit card is 100 percent accurate. Im tired of going back and forth trying to fix stuff due to my identity being stolen and my accounts tampered with. I would like to resolve this issue without a lawyer. I received a letter saying it was blocked but in fact it remained without a proper investigation.
Product: Student loan

My student loan servicer is Navient. Their website has offers no way to do an additional payment ( in addition to my monthly regular payment ) online, making it unnecessarily difficult to send in an extra payment and to make sure that it goes directly toward my loan 's principal. My wife uses a different servicer, and it is clear and easy to make an additional payment.
Product: Debt collection

I never received a letter or bill from the financial debt collector. I've made numerous attempts to have this company properly validate the debt. They have failed to provide any valid documents bearing my signature which is required by law. In return they have sent documents with certain details which are a violation of HIPPA Law. After notifying them of their violation, they have neglected to respond to any of my communication attempts. It has been over 90 days now.
Product: Debt collection

They called me at work which I live in the state of California which states that they can't call you at work which they did knowing that I work at a XXXX and XXXX XXXX XXXX. 
This incident happened XX/XX/19 around XXXX XXXX
Product: Debt collection

This debt was done XX/XX/XXXX, on or about XX/XX/XXXX I was contacted by XXXX about the account that was delinquent via a letter. I contacted the office and send in to then the documents that I did not have an account with them that I was with XXXX wireless. The company at that time stated that my name was used to open an account, I at that time requested that information used to verified my identity and was not giving any documents. Later in XX/XX/XXXX XXXX sold the account to a collection agency, I also send to them the a copy of the police report with the identity theft information the credit company at that time removed this information from the record. I recently order a copy of the credit record and there is information there from this company EOS, collection. This company as recent as XXXX purchased this account and is reporting information that is false and incorrect. The company has very wrongful information on the record. Information that is relative important in order to properly identified me. Such as the DOB, Mailing address, when I request this information from them they refuse to provided me with the request. I have requested that they send me the documents used to obtain this account, name used, dob, and address. also prove that I owed this money XXXX. I have not yet received any information, instead I have been receiving phone call since know they have my phone number. I have contacted XXXX and there is no record of such account number, nor there are any records of any phone call ever made. There are no bills. So I ask why is this collection agency harassing me for monies that I do not owed..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report : XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX 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. Its also states a consumer reporting agency can not furnish a account without my written instructions. 

I also have a police report on file. I was a victim of fraud and I identity theft. I would like these false addresses and accounts removed from my credit report immediately thank you. 
ALL accounts dates XX/XX/2015 XXXX. I sent in police report several times complaining and no action was taken not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I called Shellpoint Servicing to inquire about NOT being able to pay extra principal or escrow monies to my account. I was told that there were fees that needed to be paid in full before I would be permitted to pay any extra monies to the pricipal or escrow. I was told that I had an bankruptcy on my account. 

I applied for a bankruptcy in XXXX, when XXXX XXXX, held my mortgage 17 years ago which was discharged!! XXXX XXXX transfered my account after my bankruptcy was discharged to XXXX. XXXX. In XXXX of XXXX, my account was transferred to Shellpoint! NEVER had any problems with XXXX XXXX or XXXX with paying extra monies with my mortgage payment or MY PAST BANKRUPTCY BEING BROUGHT UP FROM 17 YEARS AGO!! 

I have been applying for apartments because I'm XXXX  years of age and can no longer maintain my home by myself. Trying to downsize my life. I believe Shellpoint has made a statement to these apartment mangers regarding my past bankruptcy. As they did to me when I called on XX/XX/XXXX. BANKRUPTCY WAS 17 YEARS AGO ; IT'S REMOVED/DELETED OFF MY CREDIT REPORT AFTER 10 YEARS. WHY I'M I STILL BEING CONSIDERED A RISK WHEN MY CREDIT SCORE IS IN THE XXXX RANGE!!
Product: Credit card or prepaid card

BARCLAY BANK WAS SUPPOSED BY CLOSED AS OF XXXX/XXXX XXXX/XXXX WAS SUPPOSED TO BE CLOSED AS OF XXXX/XXXX ALSO 4 OUT OF 7 ASSOCIATED ADDRESS ARE NOT CORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX-XXXX ACCOUNT # XXXX XXXX XXXX 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 or other personal consumer reports

I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per USC 1681g, I formally ask for their removal within 15 days. Attached are supporting documents for your review.
Product: Student loan

Between XX/XX/XXXX and XX/XX/XXXX, my loans in repayment ( Loans 1 and 2 ) under the Pay As You Earn ( PAYE ) plan were moved from repayment to forbearance status without my knowledge or consent. On XX/XX/XXXX, XXXX representative XXXX confirmed that this was standard practice, despite the fact that XXXX previously assessed a payment under the PAYE plan towards Loans 1 and 2 on XX/XX/XXXX. Upon escalation, representative XXXX also informed me that this is standard practice and that XXXX ( my prior servicer ) essentially messed up and should have put me in forbearance instead of repayment. A XXXX  representative confirmed with me at approx. XXXX EDT on XX/XX/XXXX that I did not recently request any loans being placed on forbearance and that the loans in question were in repayment status under PAYE before they were moved over to XXXX  . I never requested a new forbearance to be applied to any of my loans this year. As I am working towards PSLF, I had to request the forbearance to end, but they informed me that, despite those loans having already been in repayment, interest capitalization would occur.
Product: Credit reporting or other personal consumer reports

Revocation of Consent for Sharing Personal Information To Whom It XXXX Concern, I hope this letter finds you well. My name is XXXX XXXX and I am writing to you in regards to the sharing of my personal information by your respective agencies on my credit reports, as well as by XXXX XXXX XXXX. 
Firstly, I want to express my sincere appreciation for the responsibilities you uphold as consumer reporting agencies, as outlined in the Fair Credit Reporting Act. The XXXX rightly emphasizes the importance of fairness, impartiality, and respect for consumers ' privacy, principles that I deeply value. 
However, I am writing to assert my rights under the law to ensure that my private information is not shared without my explicit consent. As stated in the Fair Credit Reporting Act and the XXXX XXXX, it is my fundamental right to maintain the privacy and confidentiality of my personal information. 
While I understand the necessity of accurate reporting for financial institutions, I must emphasize that I have not provided, nor have I consented to the sharing of my information with Equifax, XXXX, XXXX, or XXXX XXXX XXXX Any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 
Furthermore, I want to highlight that I was never informed of my right to exercise my nondisclosure option by XXXX XXXX XXXX as required by law. This lack of transparency is concerning and undermines the trust I place in your institution. 
Moreover, I have noticed discrepancies in the information being reported, which raises concerns about the accuracy and integrity of your reporting procedures. It is imperative that consumer reporting agencies, like yours, follow reasonable procedures to ensure the accuracy of the information provided. 
Considering the above, I am formally requesting that you cease the sharing of my personal information with any third parties, as I have not provided consent for such actions. Additionally, I urge you to review and delete any inaccuracies in the information currently being reported. Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and professionalism.
Product: Credit reporting or other personal consumer reports

This is a final letter to equifax. You continue to report a fraudulent account that XXXX from Identity theft. Previous letters have been ignored and have not follow law procedures. XXXX XXXX opened on XX/XX/XXXX is a result of identity theft and should be removed immediately. I understand I can be compensated for the harm done to my consumer report and everything that is preventing me for getting under my name. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4 In addition the following inquiries should be removed as im not liable for them. 
XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Product: Debt collection

This debt belonged to my XXXX  husband over XXXX ago. I contacted the company less them a yr., explain situation, they told me it wld ne settled in 30 days. Nothin has changed. Plz, I beg u to help me resolve n remove them from my report. My husband is XXXX, n im not responsible for this. I'm tryin to buy a home for wht remains of my family n they r not helping me. Please, plz help me. Thank u
Product: Debt collection

During my move out from XXXX XXXX  in XXXX XXXX, we were using a XXXX truck parked outside to help us move out and were using a lift on the side of the building to carry items out. I had a friend helping me with my move. However a staff member came over to us and told us to take the truck into the garage and use a lift that goes into the garage because they didn't want this lift getting damaged from the items we were carrying. We agreed, and drove the truck into the garage. However we were not aware that the garage had a clearance limit and the truck was taller than the limit- and assuming the staff member knew what he was suggesting, we followed his directions. As soon as we realized the clearance limit, we attempted to drive back out however we lightly hit the sprinklers at the entrance and set them off. The fire alarms rang and the fire trucks came in to turn it off. They are right next door to this building so the matter was resolved within moments. No damage of any kind was reported to any other part of the structure at the time. 

A few weeks later, we received a move out bill from them stating that we had caused damage to the gate of about XXXX XXXX They held our security deposit of a XXXX $ and demanded we pay the remaining, deducting the basic cleaning fees as well. We stated that there was no such damage that we were made aware of at the time and that they had to provide evidence of it. They refused to provide any bills or evidence of the damage that they claimed and sold the debt to a collection agency threatening that they would report to credit bureaus if we didn't pay it. The collection agency is now harassing us and not helping with any kind of evidence or reports of damage either. We feel really stuck and find it unfair to pay an arbitrary amount named by XXXX ( XXXX XXXX  ). There were also inconsistencies in the amount of damage they claimed that we caused on their own reports to us and the collection agencies. ( Attached documents ). This proves that they are acting on bad faith and claiming an arbitrary amount of damage to exploit us. We are young immigrant students being taken complete advantage of in this unfair system favoring the landlords.
Product: Debt collection

Harassing calls. I do no do business with Lendmark and never have. I best never get another call from the XXXX or any other location. Lendmark does not have my permission to call me. No one has permission to give my number our as a reference. Any further contact will be harassment and I will seek legal assistance and compensation for the harassment.
Product: Credit card or prepaid card

So Paypal open a credit card in my name that I didn't approve for back in XX/XX/XXXX. I talk to someone about this situation but they never removed off my credit file the balance is ( {$0.00} ) the account is closed due to been inactive and the date it's closed on XX/XX/XXXX the credit was $ XXXX repeat ( I NEVER ) open or filled out an credit application with them. Please help me & please removed from my credit file.
Product: Credit card or prepaid card

Had issues with payment on time. Got dinged even though I wasn't required a minimum payment. Payment cleared next day. Only issue in almost a year.