23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently looked into my credit report and found that there was a collection by an agency called Southwest Recovery Services for the amount of {$450.00} for a company called " XXXX XXXX. '' I have never had any contact from or to Southwest Recovery Services, nor have I had any contact from or to XXXX XXXX. Upon further investigation, both companies are located in Texas. I have never lived or even stepped foot into Texas so the idea that I owe money to a power company in Texas is completely unfeasible. Address for the company as on my credit report : SOUTHWEST RECOVERY SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

On my credit report, the " account '' was opened on XX/XX/XXXX and it went into collections on XX/XX/XXXX. As of today, XX/XX/XXXX, I have filed disputes with the credit bureaus and reported this to XXXX. I have also researched this online and it seems to be a common scam. There are other reports on XXXX with the exact same modus operandi. Other people have reported amounts in the hundreds of dollars on their credit report from Southwest Recovery Services for " XXXX XXXX ''. Clearly, this is fraudulent activity by the company and the fact that they are able to have this validated on my credit report is disgusting. They are trying to intimidate unknowing people into paying hundreds of dollars for a false item that is dragging their credit down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX  XXXX Balance : {$20000.00}
Product: Credit card

I walked in to the store and was trying to make a cash payment to my credit card the manager at the store told me that it was up to her discretion who she took cash payment from so she decided that she wanted to get approval from corporate to accept my payment so she called corporate and then corporate told me it was going to take up to 7-10 business days for the payment to process. Previously my debit card payments to this account were taking two weeks to process even though the money was immediately taken from my bank account, so the XXXX representative told me to make cash payments at the store from now on to correct this problem after leaving the store I called the customer service myself making a complaint about the incident. The representative told me that any payments over {$1000.00} take special recording and processing ever since XX/XX/11 and that I wasnt singled out. As a consumer I feel like the managers actions were very biased on the judgement of my appearance, XXXX has items in store that cost more then the payment I was trying to make, Ive also made payments in that past that was more then {$1000.00} and its never been a problem. The cashier also confirmed that these extreme measures are not normally taken. Im deeply offended by the actions that were taken against me. How can we solve this?
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXXXXXX. is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX XXXX  XXXX, the financial institution, and the Consumer Reporting Agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXXXXXX XXXX XXXX XXXXXXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX XXXX XXXXXXXX. never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' These accounts have private transactional items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states. '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am immediately opting out of these reporting services.

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974, and the above federal laws.
Product: Mortgage

Contacted the company on XX/XX/XXXX of this year to request a current payoff amount for this mortgage loan. Was told by the customer service agent at that time that they would not provide the payoff amount over the phone, but would prepare a package that would go out with the information, and possibly would be in the mail that afternoon. No other special instructions that would be associated with this action were discussed at that time and as I persisted for a number on the exact amount that this process was necessary as they were concerned with the interest amount as the fee changed daily.

On XX/XX/XXXX having not received this payment package, I made out a check for the principal amount based on myXX/XX/XXXX payment statement. I mailed this check to the statement payment center that morning ( XX/XX/XXXX ).

On XX/XX/XXXX I received the payment package and with the payoff amount and payment directions. With fees and their calculated interest I would owe them an additional XXXX, but they also indicated payment to a different payment center and the need for a certified check or bank wire. 

On XX/XX/XXXX I contacted their call center and was told by the initial customer service representative, and then XXXX a supervisor I asked to be referred too that they would most likely return the original check and that I would need to contact them for a new payment package, essentially pushing the process out an additional four of five weeks at least and putting additional money in their pocket. I told them they needed to apply the original check to the principal balance, as the check has been trustworthy the last several months to accept for the monthly mortgage payment, there should be no problem with it for a final payoff. Was told they have a process that must be followed. 

I have no problem paying the additional {$100.00}, per their final number calculation that my XX/XX/XXXX check did not include. But disagree with incurring additional interest fees on the total mortgage amount while we work with in their created process and what seems to be a stall tactic to their benefit.
Product: Debt collection

AR Services called me claiming to be trying to collect a debt I never made and had all my personal info. SSN, birthdate, address, phone number, a copy of my drivers license picture first said it was a medical debt then changed the story to a payday loan from XXXX. Threatened to send to the credit bureaus if I didnt make a payment today of over {$700.00}. My boyfriend was able to call and get an address from the lady after she hung up on me several times after yelling at me and threatening. The address she gave is not legit for the company name she claimed to be calling for.
Product: Student loan

Navient had been inflating my loan balance over the past few months. They have repeatedly kicked me off my XXXX relief plan charging almost XXXX in interest and fees since the pandemic started. 

Most recently they reported my delinquency to the credit bureaus causing my scores to drop below XXXX. 

They charged almost {$120.00} in fees per loan.
Product: Mortgage

Mortgage company did not pay my escrow for 2 years. Company states that they did not receive my paper work for my insurance initially. 

Mortgage company did not do a reassessment since XXXX skipping XXXX. This year ( XXXX ) they stated since I did not have insurance and shows a deficit of XXXX dollars for my insurance for the year of XXXX, XXXX and XXXX they accumulated all 3 years and divided it into the current year raising my mortgage by over XXXX additional. Called bank they stated that my information on record was incorrect and is why I did not have access online and apologized. Company stated that they apologize for not doing an assessment year prior but there is nothing they can do I have to pay the amount since my original policy could not be back dated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your urgent assistance in addressing critical inaccuracies and unrecognized accounts on my credit report. I have repeatedly disputed the accounts listed as XXXX and XXXX XXXX XXXX which I do not recognize, and I have taken several steps to resolve this matter. 

In full compliance with the Fair Credit Reporting Act ( FCRA ), I have demanded verifiable evidence of these accounts, specifically the original signed consumer contract. Regrettably, the reporting company has neglected to provide this essential verification or appropriately respond to my valid concerns. 

To substantiate my dispute, I have submitted comprehensive documentation, including an FTC report, an affidavit of dispute stating my intention to pursue legal action, proof of identity, my Social Security card, and a marked-up copy of my credit report highlighting the disputed items. 

The presence of these unverified accounts on my report is not only inaccurate but is also causing me significant XXXX XXXX  and financial harm. I urgently implore you to take immediate action to rectify this situation and ensure that my credit report reflects only accurate and verifiable information. Thank you for your prompt attention to this serious matter. I look forward to your swift and favorable response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit, it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple times from the same company just a few months apart. I 'm unaware of these injuries. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX , which was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX  asking them to investigate. On  XXXX   XXXX    XXXX   and  XXXX   XXXX    XXXX  ,  XXXX  sent me  XXXX  letters back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't true. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Product: Mortgage

I am having a very difficult time with SPS Select Portfolio Servicing. We have tried to apply for a modification, but have had a very difficult time. Every time we call SPS we get different answers and they always seem to lose the paperwork we fax and email to them. We were never able to communicate, which always caused problems. 

I am XXXX years old and my wife if XXXX years old. I had a XXXX in 2017 which cause a medical hardship and caused me to missed payments. With the help of my family, we are over the hardship and can afford our mortgage. We are both on SSI and I have a pension that can afford the monthly payment.
Product: Student loan

I have asked ancient several times follower my loan, atleas t 2-3 different times in 2016, I ask ed if I could extend the life of my loans and they refused stating I had to pay the amount they determined, stated they could not extend the life of the loan. When I asked what I was supposed to do because I could not afford that loan and my other student loans they said to speak with my cosigner to help with repayments. They would not help me to make my loans affordable
Product: Credit reporting or other personal consumer reports

This is a request per Title 15 1681i, Request for Description of Procedures used to Determine the Accuracy and Completeness of information verified that I disputed via CFPB Complaint # XXXX XXXX Submitted on XX/XX/. 

Unfortunately, I received results on XX/XX/XXXX  and I am requesting that Experian furnish the names of who they spoke with along with their addresses and telephone numbers. I am requesting Experian provide evidence of the reasonable procedures used to to come to such a conclusion that led them to verify these items. 

The basis of my dispute is I did not give PERMISSION for these accounts to report and Federal Law states it is an illegal act according with 15 USC 1681 Section 602 states I have a right to privacy and Section 604 states a credit reporting agency can not furnish an account without my instructions. 


If Experian can not provide the information I have requested in accordance with 1681i then delete these accounts. 

1 ) 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, credit repair services, or other personal consumer reports

According to 15usc 1611 XXXX TransUnion and XXXX is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640. 

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment. 

Aslo, apologize. 

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title XXXX5 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau. 
Cc : Attorneys General Office. 
Cc : Better Business Bureau. 
Cc : State Senate. 
Cc : Federal Deposit Insurance Corporation. 
Cc : Comptroller of the Currency. 
Cc : Federal Reserve System. 
Cc : Credit and Insurance. 
Cc : Federal Trade Commission. 
Cc : State Regulatory Agency
Product: Money transfer, virtual currency, or money service

Cash App terminated my account without specifying the violation. A subsequent account was similarly closed without explanation. Despite repeated unsuccessful attempts to resolve this with customer support, and a denied appeal due to insufficient information regarding the alleged infraction, the matter remains unresolved. My most recent attempt to rectify the situation resulted in a notification that future account creation is prohibited.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Student loan

Student loan repayments started in 2002. Although payments have been consistently made, with a couple of deferments, my student loan balance has increased from Approx {$80000.00} to $ 100,000+ according to Navient. I have consistently paid {$300.00} every two weeks in accordance with my agreement with Navient, yet Navient consistently assesses late fees and other penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion Credit Services website design causes the consumer to signup for their credit monitoring services when they are just trying to pull their individual credit score.

The website is designed to have the applicant become a ongoing member instead of a 1 time information seeker. This is bait and switch. 

The design is intentional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous times to have fraudulent inquiries removed from my credit report and have end filed FTC report but was told my FTC report wasn't enough to get the inquiries removed. I have included the FTC reports along with the request to have them removed.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX   XXXX  XXXX XXXX XXXX  certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies Experian, XXXX  and XXXX  advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification  of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( Original Creditor : ) XXXX and ( Original Creditor : ) XXXX
Product: Vehicle loan or lease

I am shopping around for the best interest rate. I was not told this would result in a HARD inquiry on my score LOWERING my points. I am furious and would like it removed immediately please. Other places I have shopped around have NOT resulted in a hard inquiry, CHASE is the only one who had and did not disclose it. Thank you.