23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I first contacted the company, Rodenburg Law Firm, on XX/XX/2022, after being receiving a garnishment notice from XXXX on behalf of my employer. I immediately emailed Rodenburg Law Firm a signed and filled out exemption form from the State of Minnesota the same day, XX/XX/XXXX. I called Robenburg Law Firm the same day to confirm their receipt of the email that included the exemption form and they confirmed they received it and will forward it for review. At the time, I was presented with two options. One option was to wait for them to work with the county to confirm the exemption and the second option was to send in proof myself. This was in regards to me proving that I received rent assistance from XXXX Balance Program ( case ID XXXX ), which would make me exempt from my funds being garnished. I went with the first option, as I just sent the same exemption form to Rodenburg back in XX/XX/2022 when they initially tried to garnish my funds. Back in XXXX Rodenburg sent a release to ADP to stop the garnishment with no issue, so I figured the same would apply in XXXX. 

However, this was not the case, as I contacted Rodenburg on XX/XX/2022, for an update on the release. I was then advised that XXXX XXXX XXXX XXXX in Minnesota in which I received rent assistance in ) said I was no associated with the case ID ( XXXX ). Again, I had received a release using this same case number back in XXXX. I was then told to send in any proof that I received assistance to Rodenburg directly. I sent in all the documentation I could find on XX/XX/2022. I was not the main applicant, but I am on the lease and I am listed as a household member on the application for assistance ( meaning my info was used in the decision making process ). This included the application ( showed the address, case number, and applicant 's name ), the section that showed household members ( my name was listed along with my children and the main applicant ), a copy of the lease ( showing my name and the main applicant 's name ), and an email confirmation showing we were approved for assistance. 

I followed up with Rodenburg today, XX/XX/2022 and they still refused to acknowledge my exemption. If I'm on the lease and on the application, how am I not a recipient of relief based need? My information was used in the decision making process on if we qualified for assistance. Also, I am everybit as liable for the lease as the primary applicant, meaning if we were evicted it would go on my record. So any payments for that lease are also for me directly. 

On XX/XX/2022, over {$470.00} was garnished from my check after I already told them I was exempt. I am currently the only working adult in my household and this is causing a great hardship, especially during holiday season.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. 

These violation of my rights are grounds for removal. 

My rights were further violated because 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 or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I've recently received a coy of my credit report ad noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since XXXX and Transunion were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Credit card or prepaid card

I called to get a promotional balance transfer. I was told yer and given promotion over the phone. Now Regions bank will not honor the balance transfer. They are charging 19.9 % interest rate and a balance transfer fee of {$230.00}. I am 100 % sure it was a promotional rate if not would have never done. Their employee made mistake and does n ; 't even want to honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company had sued me for a car repossessed that I co-signed. They originally were asking an amount of {$10000.00} which was what the bank claimed they had in lost after they repossessed the car. After going back and forth on the how much the car was truly worth, the collection company made me an offer to lower that amount to {$5700.00}, which I ended up accepting since I didn't want to spend money on a lawyer or anything. So the final settlement is set at {$5700.00} to repay {$130.00} per month which was signed by the court from the XXXX Judicial District, XXXX XXXX County ( shown on the attached file ). since then I have made two payments which doesn't show on my credit record. 
The problem is that I contacted them ( attached file ) and they refuse to update the collection amount from my credit record. the amount is sitting at {$11000.00} right and it keeps increasing. Since the settlement was finalized the amount had increased by {$780.00} on my credit report, which has caused my FICO to drop 25 points ( shown on the attached file ). 
This has caused me to be rejected from getting a loan from XXXX XXXX for a XXXX I recently had, so I had to get a loan of {$6000.00} from a private party at a interest rate of 26 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection in the amount of {$110.00} on the -XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned the equipment within the time frame outlined in their contract. The representative I spoke with confirmed the closure of the account and verified that the account was in good standing. I did not know I had a collection from XXXX until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I filed XXXX XXXXXXXX Bankruptcy in XXXX and apart of that agreement was to pay Student Loans, Car Loan, Trustee, and Mortgage. I have been on time and paid up through time of submitting this. I have reached out to the attorneys who represented the servicer and company Movement Mortgage. No notice has been sent about paying attorney fees prior to this statement. The current statement shows XXXX in attorney fees when I am not foreclosing or doing anything wrong. I understand that I had to be " punished '' for the BK by them removing online access and no longer reporting to my credit, but these fees where never explained to me or negotiated. I am awaiting response from you or them. Being a loan officer myself I know that not warning clients about fees is illegal and Movements attorney costs shouldn't be my responsibility.
Product: Debt collection

I have tried on several occasions over a years time to request information to try and validate a debt they claim that I owe. All they are able to provide me with is a credit card statement. I have contacted several times asking for verification with my signature or some contract with a signature in order to validate that said debt is mine. They have been unable to provide any additional information. I am not able to validate debt and there continued reporting of this debt is bringing my credit score down.
Product: Credit reporting or other personal consumer reports

The last XXXX years ( 2018 ) {$7500.00} I submitted letters to have items removed
Product: Mortgage

To Whom it may concern : I am writing to file a complaint against Ocwen Loan Servicing , LLC in connection with the denial of a loan modification submitted as part of the National Ocwen Settlement ( https : //nationalocwensettlement.com/ ). After submitting all requested paperwork to make a settlement claim for modification of the mortgage on my primary residence, I received the attached denial letter from Ocwen. The denial states as follows : '' We are unable to offer you a Home Affordable Modification because : The Owner of your loan does not allow modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a Shared Appreciation Modification because : Unfortunately, the owner of your loan does not allowloan modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a proprietary modification because : Unfortunately, the owner of your loan does not allow loanmodifications. Please note, not all eligibility factors were evaluated. 

According to our records, XXXX XXXX XXXX XXXX XXXX, As XXXX For XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage-Backed Pass-Through Certificates Series XXXX is the owner of your loan. " For the past four years, I have attempted to modify the mortgage on my primary residence located at XXXX XXXX XXXX XXXX XXXX, WA XXXX. 
During the recession I lost a job in a field I 'd been employed in for over 20 years. 
My husband is the owner of a restaurant and had also fallen on difficult financial times in XX/XX/XXXX. 
I put 20 % down on this property and never refinanced. 
I made my payments and we had money saved. 
We depleted all of our retirement and savings in a 1 1/2 years, between having to loan money to the businesses and keeping our bills up. 
I contacted the mortgage company at the time and went to a foreclosure counseling, provided by the lender. 
I brought all documentation. 
At that time, I was told I was a prime candidate for a mortgage modification. There was never any disclosure made to me that my loan prohibited modification. 
To date, I have submitted at least XXXX MOD packages that I can account for. 

I am now facing a foreclosure lawsuit initiated by the lawyers for Ocwen in the name of the trust. A summary judgment hearing is scheduled for XX/XX/XXXX and I have yet to receive any response to the appeal filed in connection with my modification request made pursuant to the National Ocwen Settlement. 

I am XXXX years old and I do not want to lose my home. I 'm ready, willing and able to make mortgage payments on my house. I 'm hopeful that the CFPB can help me with a settlement claim so I can keep my home. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX & XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Debt collection

I sent a certified letter sent to ERC requesting Validation of Debt. The letter was returned as 'refused ' delivery. Since ERC refuses to accept the Validation of Debt letter what steps can be taken to have them prove the debt they purport I owe? Copy of Debt Validation sent to ERC attached.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I see inaccurate addresses list on my report. I've never live at any of those addresses list by the years. Please remove, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told the Experian, XXXX and XXXX to reinvestigate these accounts XXXX XXXX however, they stated that everything was complete and accurate.But how is that possible if the open date, date of last activity and much more is incorrect.according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 15 U.S.C. section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card or prepaid card

MACYS/CBNA  was opened on XX/XX/23 without my authorization. Currently has a balance of {$0.00} and credit limit of {XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received several letters saying I had a debt to a hospital for the    XXXX   XXXX   XXXX   XXXX   , scared I paid the debt as I did n't want it to mess up my credit. However, now I received a call saying the debt was not paid to the company  Jzanua LTD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services, you are hereby given notice : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX you were notified that I was requesting certain sources of information found upon my consumer report and within my consumer file. I was contacted by phone after the XXXX complaint to the CFPB and informed that my request must be mailed to your XXXX XXXX XXXX. I mailed that written request by USPS Priority Mail, with tracking, and can verify receipt. Despite complying with your instructions and multiple complaints to the CFPB, you have still not provided the information. Neither have you even come close to addressing the complaints made to the CFPB. Your violations of the FCRA have escalated from negligent to willful since you have been provided notice of this issue multiple times. Further, every response that you have provided to my CFPB complaint has directed me to contact Experian. This complaint does not involve Experian. You are a subsidiary of Experian. The FCRA does not allow Experian to respond to a complaint against Clarity Services unless certain criteria are met, and those criteria do not exist here. Clarity Services published inaccurate information on my consumer report. I requested the identity of the sources of certain identified information from Clarity, not Experian. The XXXX of XXXX is designated as such for Clarity, not Experian.
Product: Credit reporting or other personal consumer reports

MADE MY XXXX PAYMENT ON XX/XX/. I DID NOT SEE THE PAYMENT ON MY ONLINE STATEMENT AS PROCESSED. I CALLED XXXX ON XX/XX/XXXX  TO ASCERTAIN WHY PAYMENT WAS NOT SHOWING AS CLEARING MY ACCOUNT. I TOLD THE CUSTOMER SERVICE AGENT THAT I WANTED TO MAKE ANOTHER PAYMENT AS I WAS UNSURE AS TO THE STATUS OF THE PREVIOUS CHECK. SHE ASSURED ME THAT IT HAD GONE THROUGH FOR SURE. AS A RESULT I DID NOT MAKE THE PAYMENT AS PLANNED, RELYING ON HER ASSURANCE. THE NEXT XXXX XX/XX/, I CALLED AGAIN AND WAS TOLD THE PAYMENT HAD NOT GONE THROUGH. BASED ON THE INCORRECT INFORMATION I WAS GIVEN I WAS NOT ABLE TO MAKE ANOTHER PAYMENT WHICH WOULD HAVE BEEN TIMELY. 

I AM COMPLAINING ABOUT XXXXXXXX XXXX XXXXXXXX. MY PAYMENT OF {$1400.00}
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Product: Mortgage

We have both homeowner 's insurance and wind and hail insurance on our property. In a previous year, the mortgage company had made a mistake that resulted in our wind and hail insurance payment being made late out of the escrow. Because this had already happened, I was concerned it would happen again this year. The payment was due on XX/XX/2023. In early XXXX, 2023 I contacted XXXX ( mortgage holder ) to alert them of my concern and received assurance that the payment would be made in a timely manner. Also in early XXXX, XXXX ( our insurance company ) contacted XXXX by mail that the payment was coming due. In that letter they outlined clearly that they did not want a bulk payment and the specific address to send the payment. Another letter was sent to XXXX XXXX in XXXX with the same information. 

XXXX did, in fact send a bulk check and sent it to the wrong address, resulting in the money being deposited in our homeowner 's insurance account. I received notice from XXXX that an overpayment had been made to the homeowner 's insurance and they sent me a check for overpayment. This alerted me that something was wrong. I immediately sent the money back to XXXX, along with an explanation for what I thought was happening. 

XXXX took out another wind and hail policy in our name and charged us for the difference - sending us notification that they were doing so because we had not obtained wind and hail insurance ( which had happened because they had sent the wrong check to the wrong location ). By the time they sent the right amount to the right location, our policy with XXXX had been 1 month in lapse. A new policy was issued in early XXXX. 

I have made 10+ phone calls to try to rectify the situation and as of this day we have XXXX wind and hail policies- the one we should have and the one that XXXX took out because of their mistake. They are allowing both policies to run simultaneously and charging us for both.
Product: Credit card or prepaid card

Case Number : XXXX On XXXX XX/XX/22 I discovered Citi rejected on dispute WITHOUT letting me respond due to not having much detail on the product. I then submitted my response letting Citi know the detail. However, Citi refused to reopen the case violating my rights to dispute. Even though my dispute had to deal with NOT receiving the product. Here are the facts. XXXX, XXXX, transaction date XX/XX/22 and {$1400.00} According to my records, XXXX  submitted documentation alleging that I have received the product. However, this is not the case. Your department claimed they could not act because they did not have an accurate description. This is untrue and the evidence clearly shows these were sent to an address that is unknown with no signature evidence. Here are the details you are looking for : 1 large duffel bag, 1 Leather care kit, 1 leather cleaner, 2 Mens cedar inserts, 1 boots socks and 1 pair of boots ( the dillon ) size 12-d The evidence in fact shows I was defrauded. No one received the product that was authorized. Under the Fair billing and credit act would like to open the dispute. Further, I would like to point out no proof of delivery was provided besides a XXXX XXXX tracking number that was shipped to a unknown location.
Product: Debt collection

Reporting this alleged debt to all credit bureaus. This is damaging my credit report. Please cease and desist.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognized or apply for upon further investigation. I realize that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negativity impacting my credit per section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed from my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being