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

There is an account on my credit report from XXXX XXXX with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.
Product: Credit card

I took my cat to the vet and then applied for care credit and synchrony denied me but i submitted the application and I am the XXXX  XXXX. this account is prepaid. I can not be denied an extension of my own credits. READ fed reserve act section 16 part one and 2. FR section 29 bill of exchange and 18 usc 8 all debt public and private is obligation of the united states. I am the agent on behalf of the consumer. They are withholding my right to credits and withholding my securities is securities fraud on top of being discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX different occasions I sent in letters to Transunion to investigate/verify a few credit accounts. Transunion sent me XXXX stall letters claiming that I am a credit agency working on someone behalf. I responded back letting them know that I am working on my behalf and I need you to investigate these accounts. They did no investigations but instead sent me my credit report twice. Transunion is violating my rights to have these accounts investigated. Please follow up with them.
Product: Student loan

In XX/XX/XXXX I applied for PSLF. I was placed in this program and my loans were all moved from XXXX to FedLoans. I made 40 payments from XX/XX/XXXX through that time. However, those payments have not been applied towards my number of qualifying payments. I have called customer service for the PSLF program and every time Ive been told that my loans are in a queue to be analyzed and decided on which payments qualify. When I first called in XX/XX/XXXX they said that sometimes it can be up to a year and to try again 3 months later. I tried in XX/XX/XXXX be they told me the same thing. In XX/XX/XXXX I submitted an employment verification form and was granted 8 months of qualifying payments ( it should have been approved, but 2 of  them were with XXXX so they must go through this review process ). After these payments were granted I called in XX/XX/XXXX to enquirer why some counted and some didnt and when my review would take place. I was again told it sometimes took a year and I pointed out that it now has been a year for my account. They couldnt explain it further. 

I called again in XX/XX/XXXX giving them almost an entire year to process my account, but still nothing has been done to verify these payments. The past time I called I went over the details with a customer service representative who even said it looks like these count, but we just need to verify them through the program. 

It has now been 2+ years, and my payments still arent verified. Please force this company to have some accountability towards this program and count my payments. Every time someone calls the most they ever do is ask for my account to be reviewed, but so far this has never accomplished anything.
Product: Credit reporting or other personal consumer reports

An account with XXXX XXXX appeared on my credit reports as a charged-off debt. I have never opened an account or heard of this company before. I contacted the company to dispute this but since they track accounts by phone number and my phone number is not found in their system, they could not find my account. The credit reports show an open date of XX/XX/XXXX and close date XX/XX/XXXX. I have not ever leased or purchased goods or services that were financed through this company. it appears that this account was opened with {$3500.00} of credit but no payments were ever made on this account. The unpaid balance reported by them on my credit report is {$6300.00}. This account is erroneous, inaccurate, and is not mine.
Product: Debt collection

Repeated phone calls sometimes at inappropriate hours, leaving voicemails not identifying who they are or why they are calling. 
A XXXX search shows this number/company has been frequently reported and flagged. 
I am already receiving phone calls from a confirmed debt collector for the same medical debt. ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres many accounts on my credit report that does not belong to me. Not only am I a victim of identity theft, but I also believe I've been wrongfully charged, and also never notified first for any of these negative items. I could have made them aware its not mines before destroying my financial image. Also the following federal codes has been violated when it comes to my rights. 
15 U.S. CODE 1605 15 U.S. CODE 1692 15 U.S. CODE 1635 ( F ) 15 U.S. CODE 1644 ( A ) 15 U.S. CODE 1662 ( B ) My FTC File number is XXXX I've also submitted all of this through the XXXX portal under my login, so theres no reason for XXXX to request verification docs.
Product: Mortgage

Hey I'm have a problem with my loan company with missed information about an house me and my kids mom purchased. We purchased a rent to own house from a company in 2020 in XXXX paid down XXXX and XXXX a month.But found out it was a foreclosure home that we would've purchased cash now we are paying a mortgage for a house we could've bought they leading us in the blind about the house I have proof and papers to prove it I need help to see what going on because I'm not understanding what's going on missed info thanks for taking the time out for looking into my case.
Product: Vehicle loan or lease

On XX/XX/XXXX we made two large payments on the loan to satisfy multiple months in advance. The amounts totaled {$5100.00}. The monthly amount due is only {$510.00}. This lump sum payment should have been satisfactory for 10-months i.e. no additional payment to this loan would be required until XXXX of XXXX. 

The payment was not allocated properly by the company and we began to receive debt collection notices as recently as XXXX. Despite nearly a dozen calls, the company has been unwilling to adjust the payments to be correctly allocated in the intended manor. 

This has resulted in unfair collection attempts and undeserved negative marks on our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Agency has furnished the records ( see attached ) to the following XXXX XXXX XXXX Transunion, XXXX and XXXX. I have also filed previous complaints regarding the erroneous reporting accounts. You have previously been notified through these agencies regarding my dispute. Your agency has failed to be in compliance with the Fair Credit Reporting Act. Under this act your agency have failed at its duties pursuant to 15 USC 1681s-2 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 15 USC 1681s-2 ( a ) ( 1 ) ( B ) The these continuusly reporting of the folowing acconts. XXXX ( XXXX ) - ( XXXX ) XXXX, XXXX XXXX XXXX  ) - ( XXXX ) XXXX, XXXX ( XXXX ) - ( XXXX ) XXXX make your agency prone to suit pursuant to 15 USC 1681n and 15 USC 1681o i will also XXXX damages. To avoid any further actions I request that you Delete the accounts from Transunion, XXXX and Transunion within XXXX days of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with capital one and they had also denied me. I asked them had they run my credit through Capital One? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXX, XXXX XXXX ( XX/XX/2022 )
Product: Mortgage

At the beginning of XX/XX/XXXX, I entered into a forbearance agreement with my mortgage servicer, Shellpoint which was approved for 6 months. I was told that during the forbearance period, mortgage payments not made would not be reported to the credit bureaus. Although this was discussed and agreed upon, Shellpoint reported not receiving a payment for XXXX and XX/XX/XXXX. In XX/XX/XXXX, the forbearance ended and my payments were deferred to the end of my loan. I have spoke to Shellpoint and have submitted two different disputes asking them to remove the late payments from my credit report. Everytime I call, I am told the dispute is being worked on and my credit is going to be corrected. I called today to check the status and they told me that late payments are reported to the credit agencies and there is nothing they can do.
Product: Debt collection

Subject : Urgent Complaint Against Aldous and Associates for Illegal Debt Collection Practices and Inaccurate Credit Reporting To Whom It May Concern : I am filing this complaint against Aldous and Associates, a debt collection agency based in Utah, for violating multiple federal and state laws related to debt collection and credit reporting. This matter is urgent as it is causing me significant financial harm and undue stress. 

Summary of the Issue : Aldous and Associates inaccurately placed a derogatory mark on my credit report, claiming I owed a debt that I do not. When I requested debt validation, they sent me a letter stating that they contacted the original creditor, who confirmed that I did not owe the debt. Despite this confirmation, Aldous and Associates have failed to remove the inaccurate information from my credit report as promised in their letter. They stated the mark would be removed by the end of the month, yet we are now in 2025, and the derogatory mark remains. 

This delay and inaction are unacceptable and have severely impacted my creditworthiness, limiting my ability to obtain credit, housing, and other essential financial opportunities. I have attached a copy of the letter from Aldous and Associates acknowledging that the debt is invalid and promising to remove the derogatory mark. 
Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibits false or misleading representations. By failing to promptly correct the inaccurate debt after acknowledging its invalidity, Aldous and Associates have engaged in deceptive practices.

15 U.S.C. 1692f : Prohibits unfair practices. Their inaction in removing the invalid debt from my credit report constitutes an unfair practice.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Requires furnishers of credit information to provide accurate data. Aldous and Associates failed to ensure the accuracy of the information they reported to the credit bureaus.

15 U.S.C. 1681i ( a ) : Requires prompt investigation of disputed information. Their failure to promptly correct my credit report after verifying the debt is invalid violates this provision.

State Licensing Laws Aldous and Associates is not licensed to collect debts in the state of Louisiana, as confirmed by the XXXX Consumer Access database XXXX XXXX XXXX XXXX XXXX Their attempts to collect a debt without proper licensing violate state laws governing debt collection activities.

Financial and Emotional Impact : The inaccurate derogatory mark on my credit report has caused the following : Denial of credit applications, resulting in lost opportunities.

Increased financial strain due to higher interest rates on existing accounts.

Emotional distress and XXXX due to the ongoing unresolved issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two fraudulent accounts were opened on my behalf. 

XXXX XXXX/XXXX - Opened XX/XX/2019 XXXX XXXX XXXX/XXXX - Opened XX/XX/2019
Product: Mortgage

I am trying to get my mortgage loan servicer to follow the XXXX XXXX XXXXXXXX XXXX that they themselves have attempted to quote for the reason they have denied my PMI deletion requests. I am trying to get PennyMac, my loan servicer to follow through with PMI deletion based on current market value of my home, utilizing a BPO for my home. They keep rejecting my claims, saying it does not exceed the requirement for original market value andor claiming i am citing repairs to my home instead of improvements. i have made ~ {$6300.00} in improvements since closing on my home and they are claiming they are repairs or " not significant enough ''. please help me get them to remove my PMI on my loan. i am 100 % current on all payments, no late, and XXXX credit score
Product: Debt collection

A letter was sent on XX/XX/year>, to my parent 's address in Florida from a debt collection company named XXXX XXXX XXXX, XXXX. I've lived in Virginia for over XXXX years, so I immediately got concerned. I called the company on XX/XX/year>, at XXXX p.m. to ask for information and sent through mail, email, and a recorder line asking for a dispute and validation of such a claim, which is within my right as for the 15. U.S. Code 1692g, I ask for the following : The creditors name and address who is currently requesting payment The original creditors name and address ( if different from above ) The amount owed Documentation that proves there is a legitimate reason you think I owe the debt i.e. a copy of the original contract. 
The most recent billing statement the original creditor sent to me An itemized list of any additional interest or fees XXXX itemized list of any payment since the most recent billing statement They told me that a letter would be sent to my Virginia address within XXXX  days of the dispute ( XX/XX/year> ). It has been XXXX  days and I haven't received any information, I then proceeded to send a certified mailed letter with the following on the subject and asked for a deletion letter as well and let know that I would be sending a complaint to the CFPB.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed some billing mistakes. The reported late payments are not consistent with my payment habits. Kindly correct these errors and update my account details.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Lost job and are not able to make a payment. Payment is only 3 weeks late and have received up to XXXX phone calls per day asking to make a payment and telling me they are turning me over to collections.
Product: Student loan

I was forced to use private loans to pay for college in XX/XX/2004 with XXXX XXXX XXXX. The loans were sold to Transworld. I have defaulted on the loans and I, along with my father who co-signed, am now being sued by XXXX. They have harassed me over the last couple of years, threats to my father and myself to take our property. We have received robo calls non-stop which even continued since the court papers were issued. XXXX had several cases against me, 4 of which have been dismissed due to their failure to appear in court. The 5th case is due in court this month after being continued several times at the request of their attorney. I'm trying to research the complaints against XXXX because I believe I am a victim of false documentation and falsified affidavits along with being sued past the NC Statute of Limitations. According to their paperwork, my last loan payment was in XX/XX/2009 and XX/XX/2011, court papers were filed in XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an a credit account with  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern i did authorize any of the companies listed to run my credit i do not know of any of these companies.
Product: Mortgage

Rocket Mortgage has failed to pay the entirety of Personal Property taxes on my home leaving a deficit of {$190.00}. The XXXX XXXX Indiana has stated that my home will be set up for a County Tax Sale. These funds come out of my escrow account but the afore stated amount of {$190.00} was not paid. It's XXXX people, can we get this resolved sooner rather than later please?
Product: Credit reporting or other personal consumer reports

A lot of hard inquiries appears on my credit report while i have not requested for new credit lines/ did not ask any loans. 

Since i was victim of identity theft, probably other people was trying to open new lines, request for loan which left a lot of hard inquiries on my credit report.
Product: Credit card

I have had this card a little over a year and all of a sudden I see all of this interest changes. My payment are on time every month and there is an interest fee each time. So i am paying really paying way more that I owe on the card. Its charging me interest after the payment is already made so it looks as like my payments are late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters in to dispute item from my report, but i haven't received any update from the companies. The letters were sent out late XX/XX/2022. I wish we can speed up this process because I'm being affected by what's on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with inquiries I did not authorize and they need to be deleted
Product: Prepaid card

I purchased to 'Simon 5 % back ' Giftcards, with a balance of XXXX on each card. The card has a promotion that if it is used at certain merchants, 5 % of the purchase will be refunded to the card. I made a large purchase at XXXX for approximately XXXX, using my XXXX cards. XXXX is one of the merchants included in the promo. So 5 % was refunded to both cards. I subsequently returned the merchandise to XXXX and they credited the funds back to the cards. At this point Blackhawk Network ( BHN ) blocked my cards. It is very difficult to deal with them. It took a week for them to even do anything. They asked for receipts of the refund, which I promptly provided. I called back and asked why is the card still blocked and was told that they want proof that the promo funds were added to the card. I have no such proof or way of providing that. THEY KNOW it was added to the card and THEY BLOCKED me from seeing the card activity. So basically they are insisting that I provide information that ( 1 ) they already have ; and ( 2 ) they are withholding from me. Now we are talking about {$1000.00}. I ca n't afford to play games with this shady company.
Product: Debt collection

well my concerns is about my credit I have problem with the capital one bank they send me to collection I open I count with capital one bank 2004 in XXXX uta they give me XXXX dollars for credit I never finish the pay after I closed my account I thinking capital one bank discriminate me inspector general I need help thank