23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I signed up with XXXX XXXX XXXX in XXXX XXXX, NJ near my home ( XXXX XXXX ), due to being a XXXX XXXX for the City of XXXX XXXX, this location was convenient for me. 

I signed up with the XXXX XXXX in a contractual agreement for a monthly payment of {$31.00} during the pandemic. The contract was very specific indicating that : { If the XXXX 's facility is closed for a period longer than 30 days through no fault of the Member, the Member is entitled to either extend the contract for a period equal to that during which the facility is closed or to receive a prorated refund of the amount paid by the Member under the contract. } This particular location was officially closed for good on XX/XX/XXXX without prior notice to its members. 

The company never reached out as stated in the contractual agreement via phone, text, email, nor US mail that I agreed to receive if major changes was to effect this agreement. 

Payments were successfully deducted from my account from the initial date of entry up until XX/XX/XXXX through XX/XX/XXXX. 

Within this time, I have been making every attempt to speak with someone to honor the contract agreement and refund or prorate my payments as stated in the contact since the facility did in fact close and never re-opened. No one seem to have an explanation to their own contract. 

Therefore, I removed my debit card before the payment of XX/XX/XXXX and continued to reach out to the staff along with XXXX XXXX XXXX but unfortunately they was not able to address my complaints. 

I signed an agreement for this location in XXXX XXXX New Jersey. Due to no fault of my own, this fitness facility currently remains closed. Prorated benefits are issuances of less than a full month 's benefits. At no time after closure, did I receive any prorated benefits as stated within the contractual agreement? 

Each credit card statement ( see attachments ) reflects the full monthly benefits even after the gym was closed, never to reopen, they continuously removed funds from my account. Also I have a unjustified negative collection on my XXXX  credit report from [ First Credit Services ] assaulting my once stellar credit profile for the amount of {$140.00} which is inaccurate if the policy within the agreement was honored to prorate payment after closure. 

According to the XXXX XXXX XXXX, there are unique cases with this company, XXXX XXXX, however, whats very unusual is the amounts individuals are complaining about is roughly the exact amounts of {$150.00} during the Covid-19 Pandemic as if this company was illegally pulling funds in the same amounts to survive. Along with another inaccuracy listed throughout the entire contract. The address of XXXX XXXX  as listed throughout the contract XXXX XXXX XXXX XXXX XXXX, NJ XXXX as their primary location address. But this is NOT their actual address, That address is XXXX XXXX address. So how can anyone successfully send a notice of cancellation?
Product: Debt collection

TRANSWORLD SYSTEMS INC has been reporting a debt of {$2700.00} from XXXX. 
I have asked multiple times for a debt verification along with the supporting documents and they did not provide anything. 
They also do not have a license to do business in XXXX  which has been pending for years. 
Company was harassing me, threatening me and when I called them back they either said they couldnt find my account or said it was under someone elses name. 
I am asking for them to cease contacting me and my husband ( because they call him too ) and that provide the supporting documents as requested by law or remove that fraudulent account collection from my credit report
Product: Debt collection

I believe the account is invalid. RENT RECOVERY SOLUTIONS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have sent in letters asking for a Proper reinvestigation, from previously disputed letters earlier asking for a proper debt validation and verification letter and they have only sent back a credit report stating that the debt has been verified and updated. 
This Dispute is against XXXX XXXX XXXX XXXX  Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law. 
2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report.

3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act. 
4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, XXXX, and XXXX breach.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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

For over 18 months we have attempted multiple times to have PMI removed from our mortgage. We owe XXXX and recent XXXX  and appraisals show values around XXXX XXXX dollars. Roundpoint has refused the request multiple times and today refused to give the company who has our PMi but finally gave it after I refused to get off the phone. XXXX was very kind but said that all requests must come from roundpoint. My complaint is against Roundpoint mortgage for deceptive and illegal business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 24 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX # XXXX & XXXX XXXXXXXX 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Product: Credit card or prepaid card

I have been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX/XXXX  XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/18 my husband obtained an installment loan with Credit Central for {$1400.00} and paid it off in full on XX/XX/2018. I have nor my husband have not had any other loan or done any other business with Credit CentraXXXX since. On XX/XX/182018 an employee of Credit Central knocked on my door at my home asking for my husband and stating that he obtained a loan in XXXX. My daughter informed her that XXXX XXXX was not home to which she stated that someone needed to call him. My daughter told her that she would not be calling him and attempted to close the screen door but the employee stopped the door and stated that either we could call him or she would just be sitting outside. She walked back to her car screaming get him on the phone with explicits and my daughter closed the door. I walked outside and informed her we did not have an active loan and asked her to leave my yard. She begin yelling explicits and stating you should have paid your loan. She then proceeded to degraded me call me broke and even went as low as to calling me XXXX slurs. By this time my neighbors had come outside. The whole thing was highly embarrassing. As she drove away she rolled down her window and stated that she would be back and have her guys with her. I have never been through such a disturbing experience in my own home. I called the store to which they admitted that we did not have an active loan and they were looking for a family member who does not live in my home. The way they degraded me and my family and even threatened to come back to do it again is unacceptable. Please help.
Product: Debt collection

Prosper call 57 times in a 2 week period Then calling 30+ times one week Once then I was able to log in to make a part payment then the account was closed out and sent to different companies.
Product: Mortgage

I have requested on XXXX occasions a " life of loan payment history " from Ocwen loan servicing on XXXX loans they service. They took over servicing from bankrupt GMAC/XXXX bank in XXXX. These XXXX loans are adjustable rate mortgages and I question the principle balances reflected on my statements. These loans originated in XXXX and XXXX. To date they are unable or unwilling to supply me with the " life of loan payment history '' every borrower is entitled to upon request. Please help resolve this problem with Ocwen.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Credit Federal Union, where transactions settled with insufficient balance despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

I'm a Texas Veteran and contacted Cardinal Finance about a home loan using the XXXX XXXX XXXX XXXX XXXX. The loan XXXX was not familiar with the program but claimed to be so. 
My complaint is Cardinal Finance made XXXX hard inquiries on my credit report on the same day, XXXX of them are errors, and they will not fix their erroneous hard inquiries. 
These additional hard inquiries severely impacted my credit score. 

Cardinal Finance XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in the process of fixing my credit I never gave Navy FCU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to run my credit.
Product: Money transfer, virtual currency, or money service

I had someone, whom I do not know XXXX ( 2 ) payments to this unknown person, XXXX for {$300.00} and another for {$400.00} on the same day ( XX/XX/XXXX ). The last attempt was for {$420.00}, but Chase Bank stopped that one, thankfully. They text me while I was driving, but could not reach anyone soon enough to find out what the problem was. I put in a claim to the fraud department only for them to come back and say they were authorized by me. I have had numerous fraud problems in other areas of my account and had to close out my credit card with them many times. I should not be responsible for these transfers. Why did they stop the last one for {$420.00}, I guess they figured something nefarious was going on. I have changed my passwords and user ID several times, delete anything to do with XXXX and deleted my mobile app. No one but me has access to my banking nor my phone, it was hacked, obviously. Hope you can help. Thank you, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX my husband purchased from XXXX a zero turn lawn mower XXXX monthly zero interest XXXX beginning balance. paid on time all of XXXX found out husband was ill last part of XXXX still made payments in XX/XX/XXXX i paid the XXXX payment monthly plus an extra payment XXXX so total XXXX monthly I did this every month till XX/XX/XXXX then went back to making XXXX then increased it to XXXX I admit when my husband had his double XXXX transplant we got behind a couple months made those up had a couple NSF made those up also. Then XX/XX/XXXX I had it paid down to XXXX XX/XX/XXXX I made a payment XXXX from a bonus check i had gotten then on XX/XX/XXXX I made a XXXX payment to pay the loan in full the first part of XX/XX/XXXX I received a letter from XXXX that stated my husband loan was paid in full as of XXXX then nothing went on with life on XXXX two men showed up at my door at XXXX XXXX  and said they were with XXXX and was repo my lawn mower i advised them it was paid off he called a man named XXXX that said he was with XXXX come to find out he was with Avante USA in XXXX never MM me or verified who I was was rude would not listen to me then the next day XXXX a lady from Avante called my husband her name was XXXX said she had talk to me in XXXX and I had set up payments XXXX a month which is not true so there again they disclosed my personal information to someone so I sent them bank statements and talk to XXXX at Avante he sent me payment history that does not reflect have of my payments I reconciled it with bank statements I have been embarrassed called a liar and harassed also they have violated FDCPA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts have been made to remove a fraudulent/misfiled account from my XXXX credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/2020 at XXXX XXXX  California Check Cashing Stores left a message on our voicemail regarding a payroll issue with a check under the name of XXXX XXXX in the amount of {$1000.00}. I called them back the same day and explained our company checkbook had been stolen from a work truck and those checks were cancelled with the bank right after they were stolen ( months before ). An employee told me that someone from our company verified the check ; there are only two people in the company - my wife and I. Neither us verified anything as we have gotten calls from this same check cashing place three times over fraudulent checks - each time we verified the checks were cancelled with our bank and should not be cashed. The employee apparently cashed the check. 

On XXXX/XXXX/2020 we received a letter from California Check Cashing Stores stating they cashed a check for {$1000.00} to a XXXX XXXX and that we now had to pay them the money. They stated that if we don't pay in ten days they are pursuing all remedies for payment allowed by the law. 

On XXXX/XXXX/2020, I received a call from California Check Cashing Stores and when I explained that we were not liable, after speaking with our bank and a regulator in consumer protection, the employee on the phone started yelling at me when I explained we were not liable. They threatened legal action and hung up on me ; I tried to call back several times and have been hung up on before I can speak to anyone.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, an account was open on XX/XX/2021. Did not authorized any account with XXXX XXXX, account is being reported on my credit report and is causing server problems. As anyone could obtain another persons information with intent of fraud, the signature does not match my original signature as seen on my identification card.
Product: Credit reporting or other personal consumer reports

I have demanded that these agencies remove these accounts from my credit report. That I did not give permission to be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account Down to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them from my credit report.
Product: Debt collection

I lived in a particular apartment building for approximately XXXX years. I moved out in XXXX of 2013, and in XXXX of 2013 I received a bill for rent covering a month I was no longer residing there. I contacted the property and they refused to work with me to resolve the issue. The property is no longer under their ownership and the collection agency has not responded to my dispute in approximately a year now. This is still on my credit report and is causing me great stress. I can not find a place to live due to this invalid debt. They could not provide me with a valid reason as to why I should pay them during a period in which I did not live there. Now that the property is under new management I have no way to settle this. My credit report still says that the debt has been disputed and yet no response or follow up. This has gone on far too long and I ca n't seem to get this removed and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been on the Income Driven Repayment Plan for 3 consecutive years. I had re-submitted my annual documents in a timely manner for the Income Driven Repayment plan, so I can remain enrolled. However, XXXX XXXX XXXX DID NOT process my renewal properly, and as a result my credit score declined 100 plus points. I 've contacted XXXX XXXX XXXX   about this issue. They have only assigned my Account as current, yet, they have not removed the PAST DUE dings on my credit. I now have 10 student loan accounts they have negative markings, resulting in a lower credit score.
Please help me with this matter. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}