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

I disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

Thank you.
Product: Debt collection

I have tried numerous times to pay by bill in full. They are Predatory lenders involves unfair interest rates and fees and often targets consumers with bad credit or low incomes who may have fewer options when borrowing money. This company targeted me as I am a XXXX veteran and had less than perfect credit. I have called and so has my wife trying to pay the account. I only borrowed XXXX dollars and want over XXXX back from me. I was a Virginia resident and there is a lawsuit against them from Attoney General XXXX for predatory lending to Virginia residents. The cap is supposed to be 12 % to Virginia residents. The first time I and my wife called they stated they were uncomfortable to talk to me or give there name for my records and I said what did I do that you felt uncomfortable talking to me. I felt discriminated against and I told them so. I have multiple emails offering me to pay my account or offering a settlement but they refuse to work me. I recorded phone calls of how they treated me and wife which they were notified of being recorded. They are rude and use abusive tactics.
Product: Debt collection

It has come to my attention that I, XXXX XXXX XXXX, a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of Resurgent Capitol Services ( LVNV Funding ) illegally attempting to collect an alleged debt! and has violated my federally protected consumer rights to privacy and confidentiality Resurgent Capitol Services ( LVNV Funding ) is in Violation of FDCPA Title 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt! 
( I Never gave you permission to contact me ) Pursuant to 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( You Have Not Validated This Alleged Debt, Partial Information is unacceptable ) I did not grant Resurgent Capitol Services ( LVNV Funding ) permissible purpose to obtain my personal & private information, So they also have committed identity theft, Pursuant to 15 USC 1681a ( q ) ( 3 ) : The term identity theft means a fraud committed using the identifying information of another person.

I have sustained emotional and psychological damages because of Resurgent Capitol Services ( LVNV Funding ) unfair and deceptive practices, and willful disregard of my privacy and its reporting has damaged my character.
Product: Credit reporting or other personal consumer reports

I paid off my Sallie Mae student loan ( later transferred to XXXX ) in XXXX after deploying to XXXX and saving funds towards this significant bill. However, in XXXX, the company reported 9 months of late payments on my credit report. For years, I've asked for XXXX to remove this negative mark. However, they only mark the account as paid have yet to remove the late payment marks which are inaccurate since the loan was paid off XXXX prior per XXXX XXXX congratulatory XXXX XXXX letter.
Product: Credit reporting or other personal consumer reports

After many attempts on disputing inaccuracies on my consumer report the three reporting agency claims that they verified these accounts as accurate when these companies have not investigation properly. XXXX has on the FOLLOWINGS account : XXXX XXXXXXXX XXXX XXXXXXXX states charge and has a past due balance reporting {$1300.00} .there shouldn't be a balance if the account is charge off .with the last payment made XX/XX/year> Experian is also reporting a chatge off with a past due balance of XXXX which should not have a balance reporting and states my last payment was XXXX XXXX XXXX with a incomplete payment chart that is missing 2 months of payment history. 
XXXX has an incomplete report that missing payment amount date of last activity, payment amount high credit, the date of first delinquency showing XXXXXXXXwhen experian show payment made XX/XX/year> also missing high credit and the amount balance which that it should not have a balance amount.these are all inaccurate data on my report thus has been frustrating. For these companies to lack on proper investigation
Product: Checking or savings account

I made a XXXX purchase on XX/XX/2021 online using XXXX payment services, making a downtown payment for {$61.00} using my NFCU debit card ending in # XXXX. I decided to return the product on XX/XX/XXXX back to XXXX through XXXX. NAVY FEDERAL CREDIT UNION TOOK IT UPON THEMSELVES TO POST MY CREDIT TO THE WRONG ACCOUNT AND DEBIT CARD ENDING IN # XXXX ON XX/XX/XXXX. I CALLED NFCU TUESDAY MORNING ON XX/XX/XXXX. 
THEY LIED REGARDING MY CREDIT SAYING XXXX POSTED MY CREDIT TO THE WRONG ACCOUNT. THAT'S INACCURATE INFORMATION BY NFCU. 

I RECEIVED AN EMAIL FROM XXXX ON XX/XX/XXXX SAYING THEY WILL CANCEL ALL MY REMAINING PAYMENTS AND REFUND ME MY {$61.00} GOING BACK TO MY CARD EBDING IN # XXXX. 

I RECEIVED AN EMAIL FROM XXXX ON MY PURCHASES AND REFUNDED. 

PLEASE SEE ALL ATTACHED EMAILS AND RECEIPTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I opened a loan with Mariner Finance LLC in XXXX. I only made one payment and I was not able to make in other payments due to a hardship related to COVID -19. I recently contacted the XX/XX/XXXX company to try and see if there were any settlement options for me due to my hardship and since I was ready to try and settle this account since now I am in a better financial position. They said no you dont qualify for any settlement options because you only made one payment and the second payment was returned NSF ( due to my hardship COVID -19 I couldnt make additional payments ) you dont qualify for any settlements thats our policy. On XX/XX/XXXX I received an email were it clearly states that theres settlement options for me and even shows me a principal balance of XXXX I called the following morning to discuss the email and again they stated there was no help for me because I didnt fall with their policy guidelines. They didnt even take my hardship into consideration. Even the manager asked me clearly you filled a complaint I said yes with XXXX XXXX XXXX. Like she was surprised. Nowhere in the email does it state I may not qualify for settlement options I even read the fine print. This email is misleading to me as a consumer and having no settlements options for me its even harder to comprehend due to my hardship. They didnt even ask me if I had proof of my hardship nothing the representative also stated this is a yearly CAMPAIGN this is why you received the email, however we cant assist you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I notice a derogatory collection account on my report from a company named Wakefield & Associates. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( TransUnion, XXXX, and XXXX  ) in  XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SBNASELFLNDR Date : XXXX XXXXXXXX  Account Number:XXXX  Action : certified letter was sent to remove all late payments ( XX/XX/, XX/XX/XXXX  ) account is paid, and now closed. 


XXXX Date : XXXX XXXXXXXX  Account number:XXXX  Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX Date : XXXXXXXX XXXX  Account number:XXXX  This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.
Product: Student loan

The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for XXXX borrowers who were deceived by XXXX job placement claims and submitted a valid borrower defense application. The Department of Education is continuing to process new and existing applications and expects to approve additional claims. All borrowers with approved claims will receive full loan forgiveness.
Product: Debt collection

repeated calls, as many as XXXX or XXXX per day to my cell phone. All from different numbers that all show up in my caller id as the same company name
Product: Checking or savings account

Bank of America stated that I owe for XXXX accounts that I had with them at the same time for the same amount or close to the same amount. I applied for employment with Bank of America and was offered the position however, when my background check was ran the offer was rescinded by Bank of America due to the balances that they stated I owed. This happened between XXXX.
Product: Vehicle loan or lease

I have repeatedly requested copies of lean release letters five times since XX/XX/23. I received a copy that omitted the correct and complete make and model of the vehicle after the second request. Illinois DMV rejected the letters to obtain replacement titles because the make and model listed on the documents are incorrect. I have requested corrected copies three times since receiving the copies date XXXX. I am told to wait 7 - 10 business days each time I call.
Product: Mortgage

Summary : Mr. Cooper made a large, unnecessary, and unauthorized payment from my escrow account in excess of amounts required and recasted my mortgage payments. 

On XX/XX/XXXX Mr. Cooper became my new mortgage servicer. 

In late XXXX, I received a notice from the XXXX XXXX tax collector, notifying me that as of XX/XX/XXXX there was a delinquent tax of {$2500.00}. 

On XX/XX/XXXX I sent a scanned copy of the notice to Mr. Cooper 's tax processor and received an automated response to wait 8 business days. 

On XX/XX/XXXX I contacted Mr. Cooper customer service via chat and was told they had created a request and to wait 3 business days. 

On XX/XX/XXXX I contacted Mr. Cooper customer service via chat and was told the original request was never created and they would create the request then. 

On XX/XX/XXXX Mr. Cooper correctly payed the due tax of {$2500.00} and noted that the next payment was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX Mr. Cooper incorrectly payed {$10000.00} to XXXX XXXX, leaving my escrow balance in the negative. 

On XX/XX/XXXX I read the notification and immediately contacted Mr. Cooper via secure message and received an automated response. 

On XX/XX/XXXX I received a response that the Research team would need to review further for 7 days and the secure messaging system was changed to 'read only '. 

On XX/XX/XXXX I received an escrow statement noting both the correct and incorrect payments with a notice that they would be increasing my monthly mortgage payment by over {$1000.00} ( a 28.5 % increase ) on XX/XX/XXXX due to the unauthorized overpayment of taxes.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. XXXX Account number : XXXX
Product: Debt collection

Requested break down of charges and was not provided with them - also reporting agency had inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I requested all refunds of payments made from the beginning of contract there was no debt it was paid in full and they still took money from banking accounts etc and had negative impact on my credit score and all payments were made on time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Responded on XX/XX/XXXX via Complaint # XXXX which I submitted on XX/XX/XXXX via CFPB Portal . 
Again this debt is not MINE!! 
Your company did not send me the initial letter as you stated which is the first violation of many Section 1006.34. I requested PROOF and yousent me NOTHING!!!!!! 
I am now submitting that my income is XXXX and I will attest to this that I have not worked at all in the past 60 days. I am insolvent .The only aid I receive is via Medical Assistance from the State of Penna . XXXX cash from any agency on any level. 
You have worsened my condition over the last 30 days! I will not be discussing finances anymore with your agency that I do not have. You have a littany of FCRA and FDCPA violations and I will complain how I have been treated for such a very long period of time and I will complain to whoever will listen and provide the News Media, Attorney G, FTC and anyone else who will listen with this large stack of paperwork that I have attained due to your companys egregious behavior, if you do not remove this information. I was admitted into XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX at its inception in this area. 
I am not able to function at all physically or mentally the way I did before my illness. XXXX is making things much worse now. 

XXXX XXXX XXXX.
Product: Debt collection

Was sent a text on the day my payment came due stating “Reminder from Trenton loans about your XX/XX/XXXX payment your 10 day grace period will end on the XXXX... It will have a XXXX dollar  late charge.. what day can I set your account for?? And we are going to to be doing end of month closeout on the XXXX by lunchtime will need payment in to keep from rolling past due on credit report.“My account cannot report past due on my credit report until it has rolled 30 days past due. This statement implies that my credit report will be affected if I do not pay by lunchtime on my 10th day.
Product: Mortgage

I was approved for HAMP on my XXXX mortgage over a year ago. XXXX of my mortgages ( XXXX and XXXX ) are serviced by Bank of America. After completing my XXXX mortgage modification under the HAMP program, my point of contact told me I would then be submitted for the HAMP XXXX program for my XXXX mortgage. It has been over a year now that I have been submitting paperwork for my XXXX mortgage. Bank of America kept sending me confusing paperwork that said " Thank you for applying for assistance on your mortgage '' however, it had my XXXX mortgage loan number on it. They could not get it straight that I was applying for my XXXX mortgage. I finally had to hire an attorney who has been working on trying to get Bank of America to recognize we are not applying for a modification on my XXXX mortgage again. We are applying for the XXXX mortgage. For the past year the only response I have received from Bank of America are denials and now something called an " Extension Program ''. My attorney said they have never heard of this program. We have looked it up online and there is nothing regarding this program. My attorney has been calling Bank of America now for several months asking for an explanation of this program and no one at Bank of America can explain what it is. Today is the XXXX time my attorney has set up an appointment with the person assigned to this mortgage and they never call. The only explanation in the past that was ever given to me regarding this program is that " I just need to make the trial payments and take the offer ''. How can I take an offer for something that NO ONE knows what it is??? This is unreasonable and I am not willing to agree to something that has no explanation. I also do not understand how I can be approved for HAMP on my XXXX mortgage and then not qualify for HAMP XXXX on my XXXX mortgage.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EXPERIAN for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, EXPERIAN consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, EXPERIAN actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure EXPERIAN complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

This company contacted me today posing as a mediation group/ attorneys office when they are debt collection. I asked them to validate the debt in which they have not done so and emailed me a letter that is included with this complaint. They never validated the debt as required by law and are threatening to take me to court regarding this matter. They were asked to stop contacting me and validate this debt and yet they refuse to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted CapitalOne several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my CapitalOne record or reported to all three agencies.