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

To whom it concerns, I have sent out multiple dispute letters in regards to a fraudulent unauthorized Hard inquiries found on my credit report. According to the FCRA I have the right to have that removed. I have sent letters over the last year trying to get this matter resolved. 
Account : Factual Data inquiry date XX/XX/XXXX reporting to XXXX. The last dispute letter was sent out on XX/XX/XXXX. A copy of the dispute letter is attached.
Product: Mortgage

My mom died in 2015 and still owed on her mortgage. I tried several times over the last 2 years to get SPS to work with me so that we did not lose the house. My mom did not leave a will and we could not afford to go through probate and even though I had power of attorney when she was alive they refused to even speak to me about the home loan. I do not want to lose my moms house as this is the only tie we have left to her and we are willing to start making payments if the company would just speak to me about it. Im stressing because I do not know what to do and this company will not give me any information. I filled out the loan modification paperwork they asked me to and never heard back from them. We had a realtor contact them to see about purchasing the house because my brother was approved for a {$120000.00} home loan and they would n't speak to us or reply.
Product: Credit card or prepaid card

Though I messaged within my account twice ( XXXX and XXXX ) and called twice ( XXXX ) requesting my XX/XX/XXXX statement, I still have not been provided it. It isn't posted with my other statements. 
When I received the XX/XX/XXXX statement before getting the XX/XX/XXXX statement, I initially thought that the XX/XX/XXXX statement was just mislabeled as XXXX instead of XXXX but upon further review, the ending balance for XX/XX/XXXX was different than the begining balance shown on the XX/XX/XXXX statement so either I'm falsely being charged or I need to be provided my XX/XX/XXXX statement. When I called, the representative said there was a system update that caused the XXXX statement not to post along with my other statements. Either way, I need to be provided my statement.
Product: Debt collection

Debt was attempted to be collected by XXXX XXXX for 1 XXXX visit. The XXXX was a part of a week long series for being on an XXXX. ALL of the XXXX costs were covered by insurance, except for one ( this was filed under the wrong member ID of an old insurance card ). Attempted to contact XXXX, they were using the wrong insurance card for multiple debts owed. Attempted to call the insurance company to correct the insurance ID used but was met with a different representative everytime. This happened over months. In the end, nothing was fixed. XXXX  still used the wrong Member ID, therefore XXXX XXXX is still collecting a debt because XXXX  or XXXX XXXX had given the wrong member ID information. I have a XXXX document comprised of all the calls ( including time, date, and names of representatives spoken to at XXXX XXXX XXXX XXXX ). NOTHING was ever resolved, essentially, the same mistake was not corrected by XXXX  and I still owe the hospital money because of that
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Student loan

In XX/XX/XXXX, I received student loan forgiveness through the Public Service Loan Forgiveness Program ( PSLF ). My loans were forgiven, and I received notice of such. However, prior to this, I had also submitted an application for Borrower 's Defense, and as such I was determined to be a full-class member of the XXXX XXXX XXXX XXXX XXXX XXXX to Borrower 's Defense to Repayment of loans from XXXX XXXX XXXX XXXX I received notification from the Department of Education that my loans for the XXXX XXXX XXXX  would be discharged per this settlement agreement, all line items pertaining to these loans would be removed from my credit bureau report, and I would receive refunds of monies paid toward these loans. This notification was dated XX/XX/XXXXXXXX XXXX XXXX 

The Department of Education said on their website that they shifted my loan information to Nelnet, however Nelnet had no record of me. They did, however, have line items on my credit bureau account that I had paid off student loans with them. I have filed several complaints with the Department of Education and they are " in review '' for months now. They are leaving it to Nelnet to handle, but Nelnet has no idea who I am and have absolutely no info on my loans- or so they say. 

I filed a complaint with Nelnet and they did call me and made a log-in to their website available, but there was no information other than my contact information on that site. A few months ago, they changed something and I am unable to log in to Nelnet any more and I get stuck on hold for interminable periods of time and then get hung up on. No one seems to be able to help me, either with the Department of Education or Nelnet. Would you be able to light a fire under them and provide me information on where my settlement agreement refund monies are? Note : I had student loans forgiven that were NOT to XXXX XXXX XXXX those are not the ones that are in dispute, only the loans taken for the XXXX XXXX XXXX
Product: Credit card

This company is charging XXXX percent interest. I never sign up for anything wirh this high interest. I pay almost XXXX dollars a month and theres not even XXXX dollars on the account after month of payments.
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  Account # 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 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. 
XXXX XXXX
Product: Debt collection

We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for "repairs" that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either didn't owe or were for things that they could not charge for by law.

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections.

This is causing us serious financial and emotional distress. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars.

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels:

XX/XX/XXXX: we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said "you need to have the collection agency remove. We just ask them if it is valid."

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof.

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XX/XX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied.

XX/XX/XXXX: we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple request to remove wrong addresses and still have not removed the inaccurate information on my credit report
Product: Student loan

Navient took advantage of me I have XXXX loads XXXX is Stafford unsubsidized the other is Stafford subsidized I could have been paying on this. But the staff employees told me it would be better to go into deferment. Also in ten years they said I would n't have to pay anything.
Product: Mortgage

Shellpoint Mortgage Servicing continuously denies my requests to use my rights and protections under the Servicemember 's Civil Relief Act to lower my interest rate to 6 % after I have performed military service. I am a member of the XXXX XXXX XXXX and was ordered to XXXX XXXX  on XX/XX/year>. My loan originated prior to service on XX/XX/year>. The responses I have received from Shellpoint constantly state that I am required to perform at least XXXX continuous days to be eligible for the XXXX. That time requirement is for members of the XXXX XXXX, since they are state funded. I am in the XXXX XXXX XXXX and I have made this very clear on multiple occasions. Only members of the XXXX XXXX are required to be on active status for a minimum of XXXX  days to be eligible for protections under the XXXX. XXXX XXXX XXXX members do not have a minimum requirement for eligibility. I have provided multiple statutes and verbiage from the federal act but I receive XXXX verbiage from any source that would deny my request. Response received from Shellpoint is " eligibility extends to members of the XXXX XXXX and Reserves serving on active-duty orders for 30 days or more ''. I am eligible for the XXXX  and Shellpoint has provided zero verbiage to discredit my rights and what is written in Title 50 U.S.C, Title 10 U.S.C., and even CFPB 's posted XXXX. Verbiage stated by CFPB eligibility for Reserves is " Members of the Reserve component when serving on XXXX XXXX ''. There is no minimum requirement for Reserves written anywhere in any legal statute or code. Please see section 516 of the XXXX for rights and protections to XXXX. ( Attached )
Product: Debt collection

XXXX case number XXXX XXXX XXXX LVNV funding agency garnished my wages for 25 % of my pay without notice cant afford legal representation due to fanatical hard ship and the judge granted LVNV request to continue garnishing my wages. I can not afford this money being taken away from me dont know where to go from here. I never opened up an account with this creditor and have disputed several times. Was also never served any counts papers they just started to garnish my wages since XX/XX/XXXX for a debt I have zero knowledge of. 

Last court appearance XX/XX/XXXX XXXX XXXX court XXXX XXXX is the clerk
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of HXXXX XXXX  of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of Transunion. Please delete the following accounts, names, public record and inquires : Accounts : Dept of Ed XXXX Account Number : XXXX Date : XX/XX/XXXX, Amount : {$12000.00}, Dep of Ed XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3700.00}, 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 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 XXXXXXXXXXXX.
Product: Mortgage

Refi with Wells Fargo which closed on XXXX XX/XX/2020. Throughout the whole process, Well Fargo was totally disorganized, unprofessional, and incompetent. The mortgage officer put the wrong social security number and property address initially on the application, the mortgage processor kept asking for the same documents multiple times ( losing or misplacing them ) and asking for documents that were irrelevant and did not exist, people did not return phone calls and emails answering questions, the XXXX people dithered around for days trying to contact the wrong people, and so we missed the initial closing. We are longtime, major Well Fargo customers, and we were treated shabbily if not worse. No one should use Wells Fargo for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX XXXX  and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Inquiries - XXXX XXXX XXXX XXXX XXXXXXXXThis inquiry was not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX -this inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXX -This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XX/XX/XXXX XXXX  this inquiry was not authorized. Please remove it from my credit report immediately. 

Accounts - XXXX XXXX, this account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number XXXX, XXXX. I previously submitted a CFPB complaint on XX/XX/22 and I have not gotten any correspondence back from XXXX as it pertains to the investigation results. This causing me to suffer financially as I am not able to get financing and or favorable interest rates. This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all XXXX CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance.
Product: Credit card or prepaid card

I don't know that my problem falls under this exact category. 
My complaint is with Comenity Capital Bank - XXXX I was originally issued a credit limit of {$1000.00}. Admittedly, I got behind on payments. 
They lowered my credit limit to {$500.00}. I began making payments and got the account on stable footing. Despite consistent payments - {$480.00} between XXXX and XXXX - Comenity reran my credit - an existing customer - and lowered my credit limit In XXXX to just below my balance causing a negative hit to my credit rating as it now appears I am using more credit than I really am. 
I complained and was told they would reevaluate monthly.

This week I find they have again lowered my credit limit to just below my balance again unfairly causing a negative impact to my credit score.

They claim it is due to my credit score which from there own letter to me is nearly 100 pts higher than it was in XXXX only 3 mths ago. 

This is due to lack of activity on the account and has nothing to do with my credit or payments as I have paid them {$580.00} since XXXX on a card that now has a {$350.00} limit. 

This is simply not fair business practice. Why would you rerun credit on an existing customer who is NOT behind in payment? It just doesn't make sense.
Product: Debt collection

On XX/XX/year>, at XXXX XXXX, I received a call on my cell phone from an agent named XXXX, who claimed to be employed by XXXX XXXX XXXX. However, I later discovered that she is not a XXXX XXXX employee but rather a third-party debt collector for a company called XXXX XXXX XXXX  XXXX During the call, XXXX was aggressive, condescending, and used coercion tactics to pressure me into paying a debt. This was my first contact with her, and I was confused and taken aback, as I had not been notified about the debt prior to this call. 

I had recently moved to a new address, and due to a dispute with a previous resident at my old address, I had not been receiving mail. XXXX told me that my license would be suspended and my vehicle tags would be revoked if I did not pay {$6000.00} by XX/XX/year>, due to a car accident I was allegedly involved in. She made it sound like I had no other option and threatened to immediately begin the process to suspend my license if I did not set up a payment plan during the call. When I asked her to calm down, as she was speaking in a rapid, ambiguous language and not allowing me to process the information, she became even more aggressive and rude. 

She demanded that I provide either my debit card information or my checking account details to set up a payment plan. Out of concern for potential scams, I requested that she send me something in writing before I provided any payment details, so I could be sure of where my information and money were going. XXXX responded by saying that I had no more options and was done playing games, threatening to end the call. I was scared and ultimately gave her my payment information to set up the plan. 

She claimed that she would send me a promissory note but insisted it could not be emailed and would need to be sent by mail, which never happened. I called back on XX/XX/year>, at XXXX XXXX  and spoke with a different agent. I explained that I had not received the promissory note and asked for it to be emailed to me. The agent said she would email it, contradicting XXXX earlier statement that it could only be sent by mail. I expressed my concern about not wanting my license to be suspended and reiterated that I was still compliant with the payment plan. However, I never received the promised promissory note by email. 

On XX/XX/year>, at XXXX PM, I called again and spoke to another agent, explaining the situation and requesting the promissory note to be sent via email. Despite my requests, I still have not received the note. Additionally, I am being bombarded with calls from spam numbers, which I consider harassment. This companys actions appear to be in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), as they are attempting to collect unauthorized fees and interest, engaging in misleading practices, and causing undue stress and confusion. i was told the email would be sent from XXXX. I have no mail from that email
Product: Debt collection

XXXX XXXX  # XXXX ( XXXX ) {$670.00} XXXX XXXX # XXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXXXXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) {$64.00} Caine Weiner XXXX XXXXXXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.