23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, a letter was created by Credit Collection Services in XXXX, MA stating my account was sent to them for collection from XXXX XXXX XXXX. 

I received the letter on XX/XX/XXXX in XXXX, AZ at which point I immediately opened up their payment website, was offered a 3 month payment plan, and accepted it with a payment for {$89.00} due immediately. The 2 subsequent payments were paid on XX/XX/XXXX and XX/XX/XXXX respectively for a total of {$260.00}. The account is now paid in full. 

Today, XX/XX/XXXX, I received notice from XXXX  that an account was placed for collection on XX/XX/XXXX from the same Credit Collection Services for the account that not only was addressed in a very timely manner, but also 2 out of 3 payments were made with the XXXX being paid off in full 4 days later. 

I called the company CCS and requested to understand why they intentionally tried to damage my credit and the representative said he can do 2 things : send me a letter saying the account is paid in full, and let the credit bureau know within 10-14 days that the account is paid. I told the rep that is not good enough. They are intentionally ruining consumer 's credit for absolutely no reason whatsoever. They received their monies, the accounts paid in full so why is it necessary for you to report it the credit bureau. 

I am XXXX years old, a XXXX XXXX  severely impacted by the XXXX  crisis, I've paid my debts to society, haven't had a collection in over a decade and I am trying to buy a house after renting for over 20 years. I've worked my XXXX off to get where I'm at and companies like this make me sick. This predatory and unnecessary action has totally jeopardized my highly-prized and highly protected credit bureau. 

This company should be ashamed of itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 

I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Mortgage

I contacted PHH in XXXX XXXX XXXX when I lost one of my jobs. Due to financial reasons I requested a forbearance after I was provided some options over the phone with the PHH mortgage agent. I was told that was going to last about 90 days, which would take me into about XXXXXXXX XXXX XXXX before I would be contacted again to evaluate my financial situation to see if I needed an extension or a new forbearance. At that time I let the agent and PHH know that I could start making some payments due to me being able to obtain some employment and being in a better financial position. Beginning in XXXX I was presented with some documentation that was going to provide me to be put on a payment plan that would reduce the amount of my mortgage payment for up to 6 months. On the letter of the documentation it indicated that if I made a payment that would be me agreeing to the payment plan and I would not be penalized if I made any payments above the agreement amount that was indicated on the payment plan. Starting in XXXX I began making payments twice a month for the amount of XXXX dollars. After a few months I was contacted and told that due to making multiple payments that I completed the payment plan and that automatically sent my account into loan modification. I was not contacted about this step. I had to contact PHH about this because I got a letter in the mail randomly saying I had this huge large total of loan amount of money that I owed right away. I believe at that time the balance was around XXXX XXXX that I was being told that I owed. I let the agent know immediately that I could not pay that amount of money and the whole reason I was asking for assistance was because of initially losing one of my jobs in XXXXXXXX XXXX XXXX and was not to have payments pushed back to owe all the money in one lump sum at the end of a payment plan or agreement. I would have never reached out for financial assistance if I would of known it was going to be putting me in harms way with the credit agencies and financially with trying to get another mortgage loan. After speaking with an agent that I could not afford the lump sum amount I was informed again due to making payments during the payment plan XXXX that I was automatically enrolled in loan modification and was informed during this time that there was not going to be any negative reporting done. So in XXXXXXXX XXXX XXXX I was granted loan modification where you guys moved the lump sum of back paid payments to the back of my 30-year mortgage loan. I am very confused and very upset that I am being penalized during this process now that my credit report has been revealed that I was being marked 30-days late for 4 straight months. I now can not qualify for a new mortgage because of these late payments being marked on my credit report, even though I was making payments during these months. I would like these late payments removed from my credit report as soon as possible and I would like to be provided something in writing that they will be removed on my behalf.
Product: Debt collection

Have received several calls from individuals claiming to be from CashNetUSA calling to with attempt to collect a debt. I have informed them I do not have an account with CashNetUSA and they continue to ask " for verification '' and want my SSN and my date of birth. When I tell them I will not give them that information they tell me that they can not give me any information on the debt without me providing my SSN and date of birth. I have received phone calls from XXXX, XXXX, XXXX. 

I am worried about my identity trying to be stolen or fraudulent purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has affected my credit report although i haven't stop paying. 
XXXX has denied an uncreased on my credit due a delinquency report against my well done by Navient. 
on XX/XX/2019, Navient on PA has ignored my pay check for XX/XX/XXXX payment for about 3 weeks. Due t this fact, I went to XXXX to stop that check. According to the Banker the check wasn't cashed. 
Navient has case me a lot of trouble. Ones I went o XXXX and tried to use XXXX and they denied service to me. 
Navient has denied my loan forgiveness although I have 18 years working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   College Never disclosed all these issues abut XXXX XXXX student Loan. 
I did not know Sallie Mae was a private. when I Look at my bill, it is not clear, how much d still owe or by balance. Right know is finished my 10 years of payment, but it is not clear.
Product: Mortgage

I was approved for an fha loan where I was putting 20 % down and paying the upfront mip out of pocket at closing. This is the way I was approved. After closing I noticed that the mip was included in my loan amount. I have evidence of this entire episode. 
I contacted my loan officer and he said not to worry that he would take care of it. This is all in an email I have kept. Numerous times I had contacted the lender for this to be resolved. It is my understanding that the approval of my loan was changed after my loan closed, I have all the information saved for your review to proved that my loan information changed after my loan closed to make it look like I did n't want to pay upfront mip out of pocket ... I called FHA and they said to get with my lender and I did. They are trying to say this is the way it was. Not so ... 
I need help.
Product: Money transfer, virtual currency, or money service

Appeal appeal appeal Chase manhatten bank REFUSAL Since chase manhatten continues to refuse to send me MY Legally entitled to documents in my names # 1 non authorized lines of creditXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Signed off by the Vice President chase manhatten XXXX XXXX California XXXX XXXX as recorded and attached at city of XXXX  XXXX va Deputy XXXX XXXX. 
ALL GRANTED AS SOLELY IN MY NAME XXXX XXXX BY XXXX XXXX XXXX UNAUTHORIZED TRANSACTIONS # XXXX XXXX RECORDED MERS LOAN against my sole residence XXXX XXXX XXXX XXXX va. A CD certificate # to XXXX XXXX  XXXX  XXXX va showing 100 % ownership. 
WHERE ARE THE DOCUMENTS FOR THIS CERTIFICATE ATTACHED TO THIS CFPB APPEAL # 3unauthorized MERS # XXXX CHASE MANHATTEN LOAN IN MY NAME XXXX XXXX XXXX Not authorized by me # 4 I was sole qualified owner and I paid XXXX XXXX dollars for down payment of a LOAN THAT CAN NOT BE FOUND .As per deed attached from city of XXXX Virginia in the name XXXX XXXX XXXX XXXX  XXXX . 
ET AL entity unauthorized. 
# 4 CHASE ACCOUNT OF XXXX AND XXXX ( attached on 1 XXXX  credit report that has numerous fraud activity on and still is not corrected but I am working on that ) THAT WILL PROBABLY SHOW WHERE my XXXX XXXX dollar proceed check of XX/XX/XXXX from my sole residence XXXX XXXX XXXX XXXX  XXXX va As per XXXX XXXX and XXXX XXXX review of all my documents trying to locate my accounts in bank of XXXX XXXX va.their findings found that my monies must have been transferred to a Chase Bank ALONG WITH MY LIFE SAVINGS XXXX XXXX DOLLARS AND THE CERTIFICATE MONIES AND XXXX XXXX DOLLARS FROM THE SALE OF THE RECORDED MERS LOAN OR THE MISSING LOAN. 
CHASE BANK I NEED ONE OF YOUR FINANCIAL CRIMES DETECTIVE INVESTIGATORS of your fraud department TO INVESTIGATE THESE transactions that took place in my names and issue me copies of these transactions. Your executive representatives that chase has been referring me to do not possess the skills as a fraud specialist of your organization would to locate these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax closed dispute XXXX with the following statement : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Specific item name, account numbers and nature of dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint because I was given inaccurate information to dispute a claim by Equifax in regards to an unauthorized inquiry by XXXX on my Equifax credit report. 

On XX/XX/XXXX, I submitted a dispute within Equifax to have a hard inquiry removed from my credit report. The hard inquiry was made on XX/XX/XXXX by XXXX without permissible purpose. 

I have contacted XXXX several times via phone and XXXX XXXX and was given varying information as to what I should do to have it removed. The last associate I spoke to said I must take it up with Equifax. 

I submitted a dispute on XX/XX/XXXX and then a few days later I received word my dispute was denied. I was informed by Equifax that I must speak with XXXX to have the hard inquiry removed. I knew phoning them and or dealing with an agent would get me nowhere, so I decided to write to them so they have written documentation of my request. 

I was given this address by Equifax : XXXX - XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, DE XXXX ( I attached below the letter from Equifax for your reference ) So, I sent a certified letter to XXXX on XX/XX/XXXX. I paid {$3.00} for the certified letter and waited over two weeks to find out the address for XXXX was " not deliverable as addressed ''. 

( I added a picture of the envelope and a copy of the letter to XXXX below for your reference as well ) I feel Equifax gave me inaccurate information and I am now being tossed back and forth between the two companies. I want a solution to my problem and I don't see how it is going to be resolved if one company is pushing me to the other and inaccurate information is keeping me from accomplishing it.
Product: Debt collection

Contacting me multiple times per day through XX/XX/2023 into XXXX. Twice today on XXXX. 

I do not owe any medical debt. I do not go to the doctor as I am American and don't want rack up medical debt.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Bal : {$170.00} Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Bal : {$62.00} Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Bal : {$170.00} Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

This is an ongoing issue that I have complained about before. See Complaint # XXXX. This time it is not XXXX 's fault, but the collector. XXXX removed the account, finally, after 3 years of fighting with them. Now the collector, Wakefield & Associates, whom are renown for fraudulent collections, have once again placed the exact same account XXXX removed back onto my report but with a different open date. This will make the XXXX time. I am sik of this. It is destroying my credit and my chances of getting new credit, a car, a home, and so much more..
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capitol One Credit card had fraudulent purchases on my account as I was notified by Capitol One about fraud committed on my card in XXXX, 2020 via voicemail. After this was addressed and resolved by proof of a letter from Capitol One, unknowingly to me and without my request or consent, I was switched over to a paperless account by someone unknown or Capitol One. If it was an individual it should have raised a red flag to Capitol One after the fraud but obviously it did not. I should have received a phone call confirming the switch to a paperless account like the phone call I received about the fraudulent charges. I do not have a single paperless credit card account and never have. I received a second phone call in late XXXX that they did not receive my payment of {$170.00}. I told them I have not received a statement from XXXX thru XXXX which continued into XXXX. I asked them to switch me back to a paper statement account and remove me from a paperless account. I also asked them to send me a statement so that I could pay the small balance in full on my account in the amount of {$170.00}. They never sent a statement as requested but instead sent me three ( 3 ) months of some type of invoice in XXXX. In spite of not receiving a statement per my request, I mailed the balance of {$170.00} on XX/XX/2020 leaving the account at a zero balance. I requested all late fees and interest to be removed due to the fraud and wrongfully changing me to paperless account without any notification, verification or authorization of this change. They agreed to remove all minimal late fees and interest. After paying the balance of {$170.00}, I received a notice from XXXX about my membership credit history account in XXXX that Capitol One maliciously reported my account at 30-days and 60-days late absolutely decimating my life long credit history spanning several decades of very good to excellent credit history. I have never been 30-days late let alone 60-days late on any of my accounts as my history will prove. Subsequently they did not remove any late fees or interest as they said they did. They continue to add bogus late fees and interest to date on top of bogus late fees and interest and again attacking my credit for a 3rd, 4th and 5th time. Not only is this wrong, they have disregarded and ignored the Fair Credit Reporting Act. I had a lawyer send them a letter stating these facts and they have made no effort to resolve their wrong doing causing me financial hardship and bad credit and score, stress, anxiety and a home improvement project put on hold while all this damage to my credit was done by Capitol One during a worldwide pandemic. My lifetime credit history and record speaks for itself. All this damage caused by Capitol One to my excellent credit over a disputed late payment in the minimal amount of {$170.00} dropping my score 160 points! I am attaching documents to support my dispute and argument against false and untruthful negative reporting by Capitol One.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I PAYED OFF MY AUTO LOAN AS AGREED THIS WAS A 72 MOUTH AUTO LOAN AND I HAVE CALLED TRANSUNION CREDIT BUREAU AND ASKED WHY HAS MY CREDIT SCORE DECREASED FROM XXXX TO XXXX THAT IS XXXX POINTS AND THIS WAS DONE BECAUSE I HAVE PAID IN FULL AS AGREE MY LAST PAYMENT FOR THIS ACCOUNT WAS ON XX/XX/2020 NEVER HAD A PROBLEM WITH THE CREDITOR ALL PAYMENTS HAVE BEEN ON TIME, NEVER LATE FOR SOME REASON I AM BEING PENALIZED FOR PAYING AS AGREE THIS IS VERY UNFAIR I SHOULD HAVE HAD AN INCREASE AND NOT A DECREASE PAYING OFF ANY LOAN SHOULD ALWAYS BE A POSITIVE ON MY CREDIT SCORE AND NOT A NEGATIVE CREDIT SCORE
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern and submit a complaint to EQUIFAX regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EQUIFAX will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Payday loan, title loan, or personal loan

Prior to this incident, I enjoyed a great credit repoire with  Citi Financial . I had a certain agent that I worked with whom later was in a life threatening motor accident. I considered his as a friend. He recovered and returned and while I was requesting a short loan I mentioned that I needed to upgrade my family home in  XXXX . He suggested a larger loan. I was approved and several months later while I was in the office paying my loan, he informed me that he could give me a new loan, if I needed on my jeep up to {$3000.00}. The next month or so I " took '' him up on this offer. I asked ( as usual ) questions ensuring that this was a different loan for I had done a few title loans in the past and wanted to keep it separate from my installment loan. He assured me and I signed documentation. I did not " catch '' the incident until about 2 months later and I called but he was on permanent medical leave. I inquired of this " mix-up '' and was told that " he '' combined the loan with the earlier installment loan. I requested paperwork and submitted my signed document for title loan but never acknowledgement from  Citi Financial eve n after a year of complaint. I contacted Te xas DMV the sam e day that I discovered the " mix-up '' claiming fraud and was told that I would have to seek legal assistance in that matter. I continued to pay loans until my mental breakdown though I had hired an attorney to look into the matter a few weeks before I became ill. I believe that the gentleman did not " change '' or " combine '' the loan but they were done by the company itself. I am f/u with this complaint because I just received a letter from a collection agency concerning this matter requesting a  one year " pay-off '' of this loan for a lesser amount.
Product: Debt collection

I keep getting phone calls from a " Trident Asset Management '' debt collection company to payoff a debt or I will be thrown in jail and have all my belongings taken from me. 

Dates of harrassing/threatening phones calls : XX/XX/19 XXXX Central Standard Time , XX/XX/19 XXXX Central Standard Time. I do not know the amount I owe. You are not allowed to pay over the phone or online. 

I am not going to jail. Their contact information : Trident Asst is a  collections company. 

http : //www.tridentasset.com Trident Asset Management XXXX. XXXX XXXX XXXX, GA XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

Disputed multiple accounts multiple times and the credit bureaus- Experian, Equifax, and transunion have NOT corrected the inaccuracies.