23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The bill should only be XXXX. XXXX in XXXX, FL stated a payment was late and added a {$50.00} late charge. DO Not Let Your Kids move in those apartments. This is a bad place for students to live. Please have them to give you a detail of payments from my son account. Never late paid 4 months in advance. I tried for 3 months to speak with someone in management. This is 3 hour away from where I live. I never received a call back. They have students running there office. I will pay the amount that is owe of {$92.00}. I have a credit score of XXXX it dropped toXXXX do to this. Please remove off my credit until this dispute is settle. You should look into XXXX adding extra on each bill. Please look into this matter so that I can settle it once and for all! Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$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 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
Product: Credit reporting or other personal consumer reports

Accounts closed and not removed from my credit report. Companys included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THIS ILLEGAL ACCOUNT OFF MY EQUIFAX REPORT. IT IS HURTING MY SCORE PLEASE REMOVE THIS ACCOUNT. THE ONLY THING I HAVE BEEN ADDING TO MY REPORT IS POSITIVE INFORMATION CAN YOU PLEASE REMOVE THIS OFF MY REPORT XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ILLEGAL ITEMS OFF MY EQUIFAX CREDIT REPORT AND CAN YOU PLEASE FREEZE MY REPORT! PLEASE REMOVE THESE PLEASE!
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inquiry remained. This is extremely frustrating, and I need this issue addressed immediately. Please review the documents Ive submitted carefully so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Product: Money transfer, virtual currency, or money service

My bank is XXXX and it is connected to my Venmo account. I paid another person on Venmo {$650.00} in XX/XX/XXXX. I later disputed the charge as I incorrectly thought it went through twice. When I submitted the dispute through my bank they alerted Venmo and Venmo took the money back from the other user I had originally sent the payment to. Later, I received a letter from my bank stating the fraud investigation is done and Venmo proved the transfer was legitimate and legal so the dispute was denied. At that point I expected the money to be sent back to the person I originally sent it to. It has not been sent to her as of today. I have contacted my bank and Venmo multiple times trying to find this money. Every time I contact my bank they say their investigation is closed and I need to contact Venmo. When I contact Venmo I get a different answer every time but they always say to call my bank. The original receiver and myself have since received multiple responses from Venmo/Paypal that the investigation done by XXXX was done and found to be in my favor but I did not get the money. The investigation that XXXX conducted was not found to be in my favor, so that is a lie from Venmo. I received a call from XXXX today XX/XX/XXXX from someone with the CEOs office stating that when they conducted their investigation and found that I was liable for the money, at that time the money was sent back to Venmo. Which makes sense because thats how disputes work. Venmo refuses to provide the money or contact me back to settle this. So now Venmo needs to either send that {$650.00} to the person I sent it to or send it back to me so I can send it to her through a better money transfer service. I will not be letting this go until Venmo gives me the money and provides detailed documentation showing all of the moneys movement including after the dispute was investigated and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my mother moved into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I was not working with and living with my mother I was not working and a full time student under my mother care. The lease was signed and due to run XX/XX/XXXX XX/XX/XXXX. If wanted to receive a {$50.00} discount on the rental. In XXXX of XXXX, the apartment complex came to my mother and told us that they recalculated the numbers and we can move out and not have the additional months added. They had a tenant who wanted the unit. We SPECIFICALLY told them that we were under the impression that we had to move by XXXX. The apartment manager stated that it was incorrect and we can move now NO Penalty. 
Then after a couple months the new company decided that they didn't like the agreement and filed charges against me and my mother. XXXX XXXX. 
XXXX XXXX XXXX  owner XXXX c/o XXXX & XXXX filed a rental eviction on us to Appear in court on XX/XX/XXXX. Case # XXXX for the amount of {$1600.00} My mother called and they stated that it was a mistake and they cancelled their case with 36th district court. A couple months later it was added to my credit report. 
I called and they told they me that it was an error and that why the removed the case. I reached out to the company and since its now new management they wont speak to me. i filed a complaint with the credit bureaus. And I also sent Hunter & Warfield letters to rectify the error that is cause a huge problem with my credit file. Hunter and Warfield refused to respond to me. Instead they came up with this outrageous amount and trying to make me pay something in which they know I do not owe. They know that they removed the error from my mother account and just using me as a way to try to get an unlawful payment. 
The Credit bureau keep sending back verified. I send another asking the how did they verify it .. The sent another letter asking how did you verify and who and when did you speak with someone. XXXX  and XXXX did the same this and refused to kook into my claim.. 

They are trying to put debt on me that I do not owe. You can look at my payment history and see that i pay my bills. 
And further more I was not even living in that home, i resided in XXXX for months before. 

Im sending a complaint to CFPB due to the companies inability to correct this painful hit to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my payments on time with XXXX XXXX  XXXX XXXX XXXX prior to COVID. I lost my job in XX/XX/2020 and struggled with my car payment for the Months of XXXX, XXXX, and XX/XX/2020. I struggled to make full payments in XXXX, XXXX, XX/XX/2020, however I did make partial payments during this time. I called to request help and was told that they cant remove the late payments and they generate due to full payment not being made. I mentioned that President Trump had passed the bill to work with customers due to fact they received relief funding. It was my understanding that during this time customers were not going to be marked late especially for partial payments that I made. I did call the Credit union about the past dues and they stated they could not be removed off my credit report well part of this bill was not to negatively impact credit and stimulate the economy. I feel that these late payments should be removed. I immediately caught up the car loan payment and have been on time with the exception of when out of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I disputed the XXXX with the credit bureaus and requested a method of verification on how they verified the late payments. Now they have added late payments to closed accounts for XX/XX/2019 when these accounts were closed 2 years ago. 

After speaking with XXXX an Experian representative he informed me that no information has to be verified, They just leave it without proper investigation.
Product: Credit reporting or other personal consumer reports

On the mentioned date, I had no contact with this lender.
Product: Mortgage

I filed a complaint with cfpb against Ocwen and was led to believe that cfpb would pursue that company and make them repay monies they illegal took from an Escrow account. I was told by cfpb that I would have a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and I have not heard from either. 
I guess you guys just accept complaints and do nothing about them. Just another new, but not novel bureaucracy to inspire hope but deliver exasperation. 
Thanks a lot people for putting my taxpayer dollars to good use, once again. 
Case # XXXX XXXX
Product: Credit card or prepaid card

Credit card after I reported it lost or stolen and that I didnt do any cash withdrawals still charging me cash advance fee several times each month.
Product: Credit reporting or other personal consumer reports

I consolidated my loan account in 2021. The consolidated balance along with an individual loan amount are now on my account, even after I showed proof I only have one loan amount for $ XXXX. This $ XXXX loan balance should be removed from my account, because it is included in the $ XXXX amount. I can not reach an individual to speak to, and the phone number keeps hanging up on me even during business hours. This needs to be removed because it is consolidated!
Product: Debt collection

Afni, Inc.

Recovery Team - XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX . 
XXXX, IL XXXX XXXX Acct : XXXX Collection agency reported debt to XXXX  on XX/XX/XXXX. I filed my dispute with XXXX  on XX/XX/XXXX. In my dispute I requested validation of the debt. AFNI failed to respond to XXXX. As such, XXXX  completed their investigation and removed the collection from my credit report on XX/XX/XXXX. I called and attempted to resolve this matter with AFNI on XX/XX/XXXX. The agent misrepresented my intentions and confirmed she noted the account as " refused to pay because mail not received. '' I clarified that was not my intention. I called AFNI to settle the account for a low amount ( {$25.00} ) because they did not respond to XXXX, or at best, to have the account removed from collection. Due to that conversation, I sent an additional formal dispute letter directly to AFNI on XX/XX/XXXX via e-mail stating all of the above. I demanded removal of the account from their ownership and a cease and desist of collection actions based on misrepresentation, FDCPA 807. I demanded removal of the account and cease and desist of collection actions due to failure to respond to verification request to XXXX, FDCPA 809 ( b ). 

I received a letter yesterday from AFNI with an additional attempt to collect the debt and with verification from XXXX XXXX XXXX attached. Note, the verification was simply XXXX XXXX XXXX 's letterhead and a balance owed. There was no itemization or explanation of the balance.
Product: Vehicle loan or lease

In XXXX XXXX, Navy Federal filed a claim for me with XXXX XXXX for me having involuntary unemployment. XXXX XXXX responded that they would be denying the coverage because at the time of the coverage, I was not working 25 hours a week. XXXX asked me about this, I stated to them that in XX/XX/XXXX, that I was not working those hours. The company continued to bill me. XXXX XXXX  advised me X/24 that Navy Federal owes me 3 years of back pay for the coverage that they knew that I was never eligible for. The bank had a supervisor and the supervisor stated that although I am not eligible for it, I should have cancelled it within 60 days of getting it and although I am not eligible for the coverage, they would continue to bill me. The company also refused to give me information for their corporate office to speak to the person who is over customer relations or give me any more information and stated that they would keep billing me and there is nothing that I can do about it. I am upset that they intentionally took my money and knew that I did not qualify for a product and still want me to pay for that product.
Product: Mortgage

The mortgage company Mr. Cooper reported that we were 60 days delinquent on our mortgage. This took my credit rating from XXXX to XXXX practically overnight. We have never been even a day late and the information is inaccurate. AND we were in forbearance until XX/XX/XXXX. 

We entered forbearance in XXXX and our forbearance agreement was understood to extend until XX/XX/XXXX. 

Mr. Cooper claims that we requested removal from the forbearance plan on XX/XX/XXXX, just 10 days before we were already expecting it to end. This makes NO SENSE. 

We then received a demand letter in XXXX demanding we pay & XXXX immediately to avoid default. We were shocked and confused ( and our XXXX payment had already been made ) but we paid it. 

I made multiple calls to Mr. Cooper to figure out what was going on and that's when we were told that my spouse had allegedly requested removal from the forbearance program on XX/XX/XXXX just 10 days before we were prepared for it to end. 

I have requested that Mr.Cooper retrieve the recording of that XX/XX/XXXX conversation. I am not sure whether this is a miscommunication or misunderstanding or whether something else more nefarious is happening. Many companies are outsourcing forbearance exits and there may be financial incentives for " pushing people off '' and demanding large payments all at once. 

I was told that I would not be permitted to hear the recording while they were investigating but that. their managers would review it and make a decision. 

We were in midst of what should have been an easy and quick refi with them. the mortgage broker and underwriter were moving quickly. We paid for an inspection of our house. Then our credit rating plummeted as a result of this erroneous delinquency being reported to credit bureaus. 

Again, we have never been late in our payments. Ever. So to have a delinquency report on our credit is devastating and detrimental. 

It also defies common sense that we would request to be removed from forbearance 10 days before it would officially end. In fact, we made a mortgage payment on XX/XX/XXXX in anticipation of resuming our regular payments and to ensure that you received the payment on or before XX/XX/XXXX, when it would be due. 

I have contacted Mr. Cooper and spoken with several agents in several departments and have requested immediate correction. I am still awaiting a correction. 

If I don't receive a favorable response, I will pursue legal action.
Product: Mortgage

I currently own my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXXIn 2010 I filed Chapter XXXX and choose to keep my house. I had a XXXX and XXXX mortgage which I choose to service at the time and attempt to modify. My XXXX mortgage was successfully modified but the XXXX with XXXX XXXX Mortgage was not. They sold the loan during this process to XXXX XXXX. I could not come to terms with XXXX XXXX and as I understood it was discharged in my Chapter XXXX bankruptcy as shown on my XXXX credit report. That was in 2010. 
Recently, Madison Management LLC, from my understanding has purchased this old debt and is now trying to collect. They are doing so by foreclosing on my home. My research has brought me to the conclusion that this debt was purchased for pennies on the dollar. So not only is Madison Management, in my opinion harassing me on a Chapter XXXX discharged debt, but also have exuberantly inflated the amount owed. I 'm not sure if these strong arm tactics are legal because of my Chapter XXXX bankruptcy, and if it is legal, im not sure if this inflated debt owed is legal. In a settlement letter from Madison Management, they openly admitted that this debt was purchased at a discount and then a few sentences later say I owe approximately {$55000.00} when the original debt from XXXX XXXX was only {$36000.00}. Please help! Please let me know if I have a valid reason to stop these foreclosure proceedings. I am in good standing with my first mortgage company and also so you know, my home is still " underwater '' in value. 
Thank you.
Product: Debt collection

There 2 collections account that were recently pop out in my credit report. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. Two accounts AMERICAN ADJUSTMENT BURE account number : XXXX one reported balance {$280.00} and {$50.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and XXXX XXXX XXXX saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Student loan

I consigned multiple loans with XXXX XXXX for my daughter starting in 2009. She has finally been XXXX and she works part time for minimum wage and is unable to find a full time job so I 'm paying. Navient is horrible to deal with. I get multiple bills every month and I do n't know at this point how much is owed for what loan. When it was will XXXX XXXX it was simpler my XXXX loan of XXXX was almost paid up but now Navient takes your money and applies it as they will even though debt companies say you should pay off asap. They have taken that choice from me. Furthermore I was paying some of the loans before they were due while my daughter was in school and all of that acceleration seems to be wiped out. I have asked them to mail me an accounting of all the loans over and over again but they route me to a website which is difficult for me. I feel as if I am being exploited for them to make as much money from me as possible instead of allowing me to pay off the smaller earlier loans earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

for years i have been battling XXXX and federal student aid about a loan discharge that i am well qualified for in more ways than one. 
on XX/XX/2023 i received a letter from fed student aid stating that the discharge had gone through and it would be removed from my credit within 90 days. i called them, and some rude lady told me i had to call XXXX so i did. i also sent them a copy of my approval letter. 
on XX/XX/2023 XXXX sent me a letter that it would be resolved within 90 days, that time expired on XX/XX/2023 on XX/XX/2023 i submitted a complaint with CFPB on XX/XX/2023 they responded with a claim that they are waiting for approval from fed student aid. i already sent that approval in XXXX 
ive attached all the letters... time is up, fix this issue.
Product: Debt collection

Today XXXX XXXX XXXX around XXXX in the morning I decided to check my credit due that I had certain plans on mind when I was able to see my credit report I was concerned to see a debt collection and also certain hard inquiries which according to the report the original creditor of this collection was XXXX XXXX XXXX XXXX XXXX XXXX, and the collection agency is : XXXX XXXX, XXXX ( XXXX ) XXXX surprise me due that I 've been living in Georgia since XX/XX/XXXX and I have my apartment lease contract as a proof of this, I immediately contacted the Federal Trade Commission and my local police to solve this issue all this documents will be provided I would appreciate the help to solve this problem directly with the debt collector and also to solve this issue with my credit report because this is very unfair and frustrating.