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

On XX/XX/2020, I sent out dispute letters to have Experian & XXXX  remove multiple errors on my credit file. It has been over 45 days and I still have not gotten a response or any results for the dispute. XXXX  has already corrected the error since I have sent off the letters in the mail. I understand that under the FCRA that Experian & XXXX  have to remove the errors on my credit report since they have not responded with the 30 days allowed by law which has caused me hardship during this Covid 19 pandemic with my finances. I've also have called to resolve this issue with no progress.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX  Balance : {$100000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account open with XXXX XXXX last year. I paid it off full with 2 possible late payment as result my credit score lower. The last time I checked my credit score in XXXX of this year it was around XXXX. For some reason, it was lower 74 points altogether. The reason behind it was because I reported XXXX XXXX and disputed them to confirm they recieved their final payment. The reason I did so was because we had a pre-existing dispute when I paid XXXX XXXX XXXX dallors to my credit card bill and they only applied XXXX something dallors. I didn't see where it was applied to the principal cost and asked them to verify how it was and they didn't.The second debut, according to Experian made XXXX claim I was delinquent after my final payment that's unethical.
Product: Debt collection

I received a phone call from, GB Collects stating that I owed a bill to a company I had no knowledge of. I asked to receive information via mail regarding the charge and I would look it over. Around XX/XX/XXXX, I received a very bland letter in the mail stating that GB Collects represents " XXXX XXXX '' and that I owe an amount of {$700.00} - again no knowledge. 
On XX/XX/2021, I wrote a letter to GB Collects notifying them that I dispute the validity of the full portion of the invoice and that I was requesting verification of the debt to be mailed to me. GB Collects responded on XX/XX/2021 ( apparently they received my XX/XX/XXXX letter ) that " Our client has declined your dispute on this delinquent balance of {$700.00} owed to our client, XXXX XXXX, due to lack of proof. '' Question : If the company that states I owe a balance doesn't have proof of the balance then who has proof, and who can verify that I owe the debt? 
Additionally, in the XX/XX/XXXX letter I requested to " ONLY '' contact me via mail at the address they have listed on their correspondence. I specifically asked " DO NOT CONTACT ME ANY FURTHER THROUGH A PHONE CALL ''. 
Since the XX/XX/XXXX letter, I have been contacted via phone and with leaving a voice mail on XX/XX/XXXX, and XX/XX/2021 ( I can provide proof of this information ). 
Around XX/XX/2021 I received another letter stating that " XXXX XXXX will no longer tolerate any more delays in recovering their monies. This appears to me to be a threat or a scam as I have asked for documentation and verification of the amount stated to be owed and to no avail have I received anything.
Product: Debt collection

My husband and I both received phone calls from XXXX XXXX @ Columbia Debt Recovery XXXX XXXX XXXX XXXX on our cells phones today as well he called my husband at work. I spoke with XXXX XXXX today @ XXXX who informed me we had an outstanding debt with our previous landlord. We moved XXXX XXXX, XXXX. XXXX XXXX claims they just received our file in their office on XXXX XXXX, XXXX and documentation was mailed to our home address " 10 days ago '' per XXXX XXXX. Please note our address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. XXXX XXXX proceeded to tell me that we owe this debt, that it was a verified debt and that if I did not make payment/settlement arrangements prior to the end of this phone call that he would proceed with legal action against us. I asked XXXX XXXX about getting the documentation so that we could verify the debt and dispute it, however, he said " I have no control over the mail and this was mailed 10 days ago. '' Again, I stated we did not get said documents and that I do not have control over the mail either and that I believed there were laws, or rights that we had 30 days to dispute the debt once we received it in writing. XXXX XXXX indicated he could not give me legal advice and again threatened me with legal action/ '' I will sue you immediately '' if I did not make arrangements with him prior to hanging up the phone today. I felt violated and threatened and his demeanor was very upsetting on the phone, whenever I asked a question. Basically, I felt like I was forced into an arrangement, which I repeatedly stated I had no idea I owed and that I could not afford the arrangements he was demanding. In other words, he was bullying me into make a decision, that I clearly ( if you listen to the recorded phone call, he claims to have ) was not comfortable financially and mentally speaking with XXXX XXXX and in making such arrangements. He indicated that this would hurt our credit scores and immediately after we paid the balance in full, he would indicate the debt was paid in full and our credit scores would go back up. I would like to file this complaint, for him threatening me with legal action, without giving me justification of the debt in writing and allowing me time to get representation and disputing the debt. I feel like his tactics are bullying, threatening and morally not right. I wish I could have had an attorney call him, but he stated " if you do n't work with me today, I will immediately push this into litigation today. '' I am not sure how I could have defended myself. He did indicate he would email me a promissory note that both my husband and I needed to sign and return to him no later than Tuesday XXXX XXXX and that I must reply with the word confirmed in order for this to be a valid payment arrangement. I have not done so yet, as I was too upset about his demeanor with me on the phone. 
Thank you in advance for your time.
Product: Checking or savings account

We sired money to an account that turned out to be part of a Ponzi/Investment Fraud scheme. None the banks said that the account was suspicious especially the destination bank, XXXX XXXX. XXXX XXXX  is the one hosting the fraud account and has refused ALL help/cooperation. 

We sent XXXX on XX/XX/2021. The fraudulent company is called XXXX XXXX XXXX. 
Their account number at XXXX XXXX  is XXXX. The company 's address is listed at XXXX XXXX XXXX XXXX XXXX, VA. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continues to report late payments to a credit card on an account that was opened in XXXX. My records show no late payments and they show 1 late payment over the course of at least 3 years. I closed all accounts and paid all of them off on or around XXXX. 

It is now XXXX and these jerks continue to file this late payment and won't let it go some XXXX XXXX later. It keeps me from getting a perfect XXXX and my credit rating has never gotten over XXXX. 

This account is paid off and closed for over 20 years now ... when will it end? I contacted them and they simply refused, said their records were correct and I asked them to prove it and they said they didn't have to ... and this has been on my account for over 20 years. Experian refuses to remove it without XXXX XXXX XXXX And despite all of my requests, they continue to renew it every year for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint due to a request submitted to Equifax to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received any verification documents to prove that this account was ever late! Equifax instead closed the case stating the creditor verified that it was late & that I would receive documentation verifying this which I have not. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXXXXXX XXXX XXXX Balance {$25000.00} Open date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. IAM A VICTIM OF IDENTITY THEFT
Product: Credit card or prepaid card

I was notified by BARCLAYS BANK DELAWARE of late payment. I told them I have not order any movie or such service. I was told they will investigate and credit my account. But every time I run my credit it show up. I called several times to have it credited and removed from my record. I was told the quickest way will be to cancel my card which I did but up till now it's still showing and affecting my credit. I have be communicating with them for 3 years now about this and they keep telling me it will be taking off but they don't do anything. Please help
Product: Debt collection

Recently obtain a copy of my credit report and ( CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX XXXX XXXX ) you are currently reporting debt to my credit report and also allowed under the fair debt collection practices act I am requesting that you allow me to validate the alleged debit please provide me with a breakdown of all the charges, dates of service and procedures give me including fees associated with the debit. 


Can you please provide me with this information as follows : -Validation of debt -please provide a breakdown of fees including any collections costs. 
-provide a copy of my signature with the provider of service to release my information to you. 
-requesting purchase agreement between the original creditor. 
-Cease any credit bureau reporting until debit has been validated by me. 
-revoking all rights of communicating with you through email, text, calls -also please provides with your license to collect a debt in my state of Florida.

My consumer laws were also vaildate Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies Without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Please send this information to my mailing address listed above and except this letter as my formal debt validation request, which Im allowed under the FDCPA.
Product: Debt collection

The date the collection was opened XX/XX/XXXX. 

Original amount : {$2200.00} Interest : {$1000.00} Total as of XX/XX/XXXX : {$3200.00} Account number : XXXX The collection company has accused me of receiving a check from my insurance to pay my XXXX and claim that I never sent it to the XXXX XXXX XXXX back on XXXX XXXX. I called my insurance and they were not aware of any check. I then asked the collection company for the check account number so my insurance could pull it up and they failed to give it to me. I dont recognize this account and the clinic never reached out to collect any money. I would like this deleted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current mortgage account balance with Shellpoint mortgage on my credit report shows as {$210000.00} when my actual current balance is {$190000.00}. Additionally, my original loan was only {$200000.00}. I have disputed this information, and it was not updated. My balance history is also wrong. I have attached my account history from last year into this year.
Product: Debt collection

I sent a cease and desist letter to XXXX XXXX XXXX and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX XXXX they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done
Product: Mortgage

I have a foreclosure sale date set for XXXX XXXX and I feel that I have not been given a fair chance to resolve this matter with Chase. I bought my home with a rural development loan that is part of the USDA. I have a good job and had the means to make my monthly payment until I was injured and then had a major health scare and missed a couple of months of work. I fell behind but immediately began working to resolve this matter. After several months Chase put me into a forbearance agreement which required a down payment of {$5000.00} to get caught up on taxes and then a double monthly payment of {$3000.00}. I made the down payment and even though the {$3000.00} a month was half of my monthly income I made it the first couple of months. In month three I was a few days late with the payment but when I called in Chase refused to accept it. They kicked me out of the plan and have refused to deal with me since. I ca n't believe that after I had cured the majority of my late payments that the fact I was a week late with a payment means I lose my house. I know that there are other programs for USDA loans or internal programs at Chase that I could be considered for and I feel it is outrageous that they turn their back on me. I am a single father and live here with my two sons, ages XXXX and XXXX. I have a good job and have worked doing XXXX XXXX XXXX XXXX XXXX XXXX for 23 years so the monthly payment was easy to handle until I got hurt on the job. 

A couple of years ago I broke my foot and was in a cast for a month which led to blood clots -- this made its way into my XXXX and I was forced to take blood thinner and could not work for a couple of months. I did not have a lot of money put away for a rainy day and soon fell behind on this loan. As soon as I was back on my feet I began reaching out to Chase to try and resolve the late payments. After months of back and forth I was approved for a forbearance agreement as explained. This was tough to afford but I made this for the first two months. In month three I was going to be a week late on this payment and called in to discuss with the agents at Chase -- however they told me that they would not accept my payment if it was even ONE DAY late, even though I was making a double payment on the mortgage. Since that time I have tried to get back on track with Chase, but their agents have not given me the time of day. 

I believe that USDA loans have specific policies and procedures relating to delinquent payments that Chase is supposed to follow, as well as allowing access to internal programs. None of this has happened, Chase has denied access to these options and is turning a situation where I was one week late into sorry, game over, we are foreclosing. This can be avoided, because I have the means to afford a fair payment. Why is Chase refusing to negotiate, open a review, assign a point of contact or trying to work something out?? This is a bad situation and I wanted to make your agency aware of this. Instead of trying to fix this matter, Chase is trying to auction off the property. Please intervene and work with me to resolve this matter.
Product: Payday loan, title loan, or personal loan

I am an Earnin XXXX user. My paycheck goes through your third party bank to cover my paycheck advances, and you use your instant deposit feature to deposit the remaining balance into my XXXX XXXX  XXXX account. All of the sudden my instant deposit feature was revoked without any rhyme or reason. The app also shows I was paid today, my normal payday. ( which I shouldve have been ) but I have yet to receive funds in my personal checking account. Ive reached out multiple times as last as Monday the XXXX of XXXX and as recent as today, the XXXX of XXXX. And I get the same response that your engineering team is working on it. But youre holding up my paycheck because your system is broken and thats theft.
Product: Credit reporting

I have submitted many claims over the past six months regarding an account that appears on my credit history from XXXX XXXX showing a balance of $ 700+ owed. I have contacted them on numerous occasions ( transunion, XXXX, and now today, XXXX ) to explain that I had never opened another account with XXXX XXXX after an issue I had with them back in 2010 where they had charged me XXXX for multiple cash advances and charges made to the card. I never would go back to XXXX XXXX again, this account that shows up is not mine. Recently XXXX called me to explain that the gentleman who 's ACTUAL account it is resides nowhere near me, and his name is nowhere near mine. They immediately removed it off of my account, and removed the hard inquiries during that year period that showed up, that I never made. In fact both XXXX and Transunion were supposed to have a Fraud Hold in place, I 'm not sure how there could be any inquiry or card opened during that period without explicitly contacting me. Either way, after XXXX took care of the incorrect information I reached out to Transunion to do the same, they keep saying they have validated that the account is mine. I have explained to them multiple times that I was not even in the state at this point in time and could not have opened an account, let alone the fact that I was trying to rebuild my credit from the past problem with XXXX XXXX. I just reached out to XXXX as well and still have not received a reply. The information on the XXXX XXXX account has my wrong phone number, my old address, and the purchases were made in a state I was not in during that time. Please help me, I own XXXX businesses since the beginning of the year and the lingering bad credit is hurting my chances of expanding. Thank You!
Product: Student loan

MOHELA is my student loan servicer. When I log into my account on their website, the payment history only shows payments since XX/XX/XXXX, even though monthly payments of {$440.00} began in XX/XX/XXXX. I previously made a one-time payment in XXXX XXXX of approximately {$1000.00} - {$1200.00} ( at the time of filing this complaint I don't have access to old bank records to confirm what the actual dollar amount was ). 

On XX/XX/XXXX, I called MOHELA 's customer service line and spoke with a representative who said that they had recently switched to a new portal and all the information was being exported gradually. I said that I wanted to make sure my previous payments were reflected in my balance and the representative said they would mail me a complete report of my payment history. The representative said it would take 7-10 business days for my request to be processed, and then standard USPS delivery time following that processing period. This mailed report was never received. 

On or around XX/XX/XXXX, I called MOHELA 's customer service line again and spoke to a different representative. This representative apologized for the delay in receiving my payment history report and blamed the switch to the new portal for this problem. I asked when I should expect to receive the mailed payment history and the representative said it should be in XXXX. 

It is now XX/XX/XXXX, and I still have not received anything from MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to Experian, XXXX, and XXXX that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : Experian : A balance of {$22000.00}, past due of {$22000.00}, and 18 months of CO 's interpreted as 18 late payments. 

XXXX : A balance of {$22000.00}, past due of {$22000.00}, and 17 months of CO 's interpreted as 17 late payments. 

XXXX : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with Experian, XXXX, and XXXX through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 CoreLogic Credco, XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX
Product: Debt collection

COMMONWEALTH FINANCE did n't send me a letter first, they immediately placed this on my XXXX XXXX credit report.The law is clear they must contact me first.They 're violating the law. I have never visit XXXX in XXXX TXthis is a zombie debt they continuous to past around.according to them account open XXXX 5 years ago. They could n't Violated date.There no account number associate with this account.