23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had a personal loan with XXXX XXXX XXXX XXXX and because of the XXXX I couldn't pay on it and it went to collections sometime later I contacted the credit union I made arrangements a little before XX/XX/20 and I started paying on the loan sometime later I finally paid off the loan on XXXX, XXXX but I went to pull my Experian credit report and it's still saying it's in collections/ charge off which is not true and I know what the Fair credit reporting act that they have to report accurate information and I will show the actual law that they have to follow I will show also as well that the bank statement showing that I owe absolutely nothing on this loan and it's paid off and the attachment below the account number that Experian has associated with this account is account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX Balance : {$27.00}, XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

Equifax has constantly denied me access to my credit report and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I contacted midland credit about an account they sent me notification on. 
The notification said that if I pay the amount due according to this notification within three months of being contacted by them that this would not be reported to the credit bureaus. 
I paid in full as agreed trying to be compliant with the request and avoid the data being reported on. 
also on the Midland website it clearly states the following, but they are still reporting it to XXXX. 

**We do not report to credit reporting agencies for accounts that are more than two years old ( based on the date of delinquency ) and paid in full ( including accounts paid in full for less than the full balance ).

**We also dont start reporting on new accounts if your payments begin within three months after we send our initial letter and you continue making payments every month until the account is paid in full ( or paid in full for less than the full balance ).
Product: Credit reporting or other personal consumer reports

I have not had my account updated since XX/XX/year>. My account was discharged in XXXX which it has been over 90 days. I was told by Mohela my account would be reported XXXX XX/XX/year>. It will show {$0.00} balance on all XXXX reports. It still shows I owe $ XXXX on my reports which is not fair credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX  directly and to XXXX, Equifax, and XXXX and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.
Product: Credit reporting or other personal consumer reports

I recently relocated to XXXX XXXX XXXX  with intentions of renting a nice comfortable place for me and my son to live. Unfortunately, I have been denied residency from every apartment complex that I've applied to, The reason for the denials is because there's a civil court case on my report that shows that I have not satisfied the judgement that was placed against me in XXXX. Because of this egregious oversight my son and I have been homeless since moving here in XXXX. I moved here without a concern simply because I just knew that the plaintiff 's lawyer had submitted the proper documents to the XXXX XXXXXXXX XXXX XXXX showing that I'd satisfied the judgement and also because I'd been diligently working on my credit and it went from bad to good. So I didn't foresee myself having any issues. 

Well that has not been the case. We've been using money that we were going to use for rent on a hotel. Which isn't cheap. This has caused my son and I to be XXXX XXXX Not only have I been wasting my rent money on the hotel, I've also been losing money on non refundable application and administration fees from every apartment complex that I've applied to. I'm also losing money because I hired a moving company to move our things from XXXX XXXX XXXX I told the moving company that they could head to XXXX with our belongings within a week. Due to the fact that we haven't solidified a place of our own, I'm running up a tab with the moving company. 

Someone has dropped the ball with this and because of it, I'm homeless, sad, in an unfamiliar place as well as XXXX My son and I are so ready to have our belongings back from XXXX  and a place to call our home. We are not comfortable being in this hotel. Again, it's been over a month and he isn't in school yet nor am I working because I don't know where we will be living. Just as I've satisfied my obligation to the courts, someone needs to satisfy their obligation, which is to report correct information on these reports. Especially since they have a profound impact on one 's life. I need to be made whole as this isn't because of any wrongdoing on my part.
Product: Debt collection

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this on XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also this company never gave me paperwork informing me that I have the right to Opt out of these items being reported to my credit report. That is deceitful and against the FRA LAWS. please see attached invoice for the remedy of civil liability.
Product: Mortgage

Mr. Cooper acquired my home loan from XXXX Mortgage in XX/XX/XXXX, which included a homeowners insurance policy through XXXX by XXXX which was to be paid via escrow. 

In XXXX of XXXX, I began receiving notices from Mr. Cooper that our home insurance policy had lapsed and they would require new proof of homeowners insurance. After contacting XXXX, I learned that Mr. Cooper had made a partial payment on the homeowner 's insurance premium from escrow in XX/XX/XXXX and then made no further payments. After multiple attempts to contact Mr. Cooper to resolve the situation, XXXX allowed the insurance policy to expire for non-payment in XX/XX/XXXX. I was not notified by Mr. Cooper the policy had lapsed until receiving the aforementioned letters in XX/XX/XXXX. It is my opinion, and the opinion of XXXX, that the fault for non-payment lies squarely with Mr. Cooper. 

Because of this situation, I had to acquire a new and more expensive homeowners insurance policy through XXXX by XXXX. In addition, Mr. Cooper bought homeowners insurance on our behalf to cover the period during which the original insurance lapsed, which was much more expensive than the original policy. There are also the countless hours spent on the phone with Mr. Cooper, navigating their antiquated automated phone system, speaking with incompetent representatives, dealing with multiple transfers to different departments and dropped calls. 

To date, resolve this mistake on the part of Mr. Cooper has added hundreds of dollars to my monthly mortgage payment.
Product: Student loan

I am writing this complaint against Wells Fargo because I feel Wells Fargo has not done enough to track down the borrower. I am an easy target for them because I have answered phone calls on numerous occasions. I cosigned 8 loans for a former dear friend. I currently have not had any contact with her as she has cut herself off from friends and family. She is currently only paying on one of the 8 loans because her brother also cosigned. The other 7 have not been receiving repayments since she has finished her schooling at the University XXXX XXXX. She has not responded to any of Wells Fargo phone calls or emails. So Wells has constantly stressed me for payment. I feel that they have not done enough to locate her either through a Wells lawyer or private investigator. Why isnt Wells Fargo garnishing her wages? Wells Fargo is not being diligent locating her, or researching her employment for repayment. She is the borrower the on that went to college. Instead I have become their means of communication. I have my own student loans as well as car, motorcycle, mortgage monthly payments and can not afford to make her payments. I am my XXXX year old mothers caregiver who suffers from XXXX and XXXX. I am under XXXX daily from caring for her and the harassment from Wells Fargo adds to it. I am asking to have Wells Fargo remove me from the loans and seek retribution from the borrower. I have uploaded the most recent letters from Wells Fargo. 
The amounts for each loan is as follows : Loan 1 : XXXX Loan 2 : XXXX Loan 3 : XXXX Loan 4 : XXXX Loan 5 : XXXX Loan 6 : XXXX
Product: Debt collection

they sent me a printout of old statement summaries, which is not proof of ownership, they are violating my rights
Product: Credit card or prepaid card

I booked a hotel in XXXX last XXXX using points from my Chase Sapphire Reserve card for 5 nights. The hotel was not as described, so I spoke with the front desk and they assured me I could cancel the remaining nights. Chase has not reimbursed me for the 4 unused nights. I have contacted Chase 10 times via phone starting in XXXX, and reached out over XXXX. Each interaction ends with a promise that someone will get back to me in 24-72 hours. However the points remain unreimbursed and no one from Chase has contacted me. 

I called Chase to try and resolve this on XX/XX/1920, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XXXX. Each call lasted between 30-90 minutes. I reached out via XXXX on XXXX XXXX, XXXX and XXXX.
Product: Debt collection

I have previously submitted a complaint against CBE Group XX/XX/XXXX for contacting me after a cease and desist was requested. Please see [ Case number : XXXX ]. 
On XXXX XXXX XXXX at XXXX I received a call from CBE Group ( XXXX ) then again on XXXX XXXX XXXX at XXXX Mountain Standard Time. This is harassment and the company previously assured me I would not get any more calls. They are in violation of my rights as a consumer. Each violation carries a {$1000.00} fine plus damages. I have my phone records for proof.
Product: Student loan

I applied for the SAVE plan in XX/XX/XXXX. It is currently XX/XX/XXXX and my application hasn't been processed. I have called and sent multiple messages regarding this issue. Every call I get someone in training who doesn't know and transfers me to a wait line for an hour plus. NOBODY can tell me why my application hasn't been processed. On top of this, I have a monthly payment due that I can not afford. Last week, they said they would submit a forbearance request, but now I'm currently on hold for them to see if that's actually the case since it's not updating online. If not, I will end up with a late payment on my account which I will not accept. I have reached out to this company so many times trying to find a resolution and they're not doing their part in " managing '' my student loan. 

This is also impacting my PSLF since they put my account in forbearance until they can get the application processed and I'm losing months of payments. This is extremely unprofessional and frustrating as a customer who has their loans with them when I had no choice in the matter.
Product: Mortgage

The Mortgage Company is United Wholesale Mortgage during refinancing for some reason my insurance company did not pay my insurance to this Mortgage company. The underwriter said the Notice to my insurance company did not so for 3 months it was not covered. They demanded that I pay XXXX for insurance with them 3 and half times what any other insurance would cost anywhere. I then talked with them and agree to pay XXXX of 3 months and then gave the proof of my new insurance is paid in full. They told me at that time if I paid their insurance they would remove their insurance off my bill they did not. In fact, that told me I will have to pay and increase payment from my payment of XXXX to XXXX and this would be thill there XXXX is paid off and it will force me to pay my insurance. Better known as blackmail. I have been paying my mortgage every month and have not missed a payment only to find out they are only taking the money for principal and not paying the interest on the loan. so it causes me to have a partial payment and they are trying to charge me Late charges as well of {$39.00} but I was never late at all. I have never missed a payment on anything in years no less than 25 years Taxes are paid out of pocket and on time there is no reason for them to take any Escrow on this loan it is a VA Fix loan I am a 100 % XXXX vet on a fixed income and they are just ripping me off. I must be a good payer I have a credit score of XXXX. No late payment everything is on Autopay or paid in full at the time of payment. I have to remove UWM from auto Pay because I fear they remove the money they are illegally trying to get. The XXXX dollars they are trying to take would be a problem for me with the economy being as it is. that money paid for the Gas I need to go back and forth to the XXXX 3 times a week. They are trying to force me to pay money they should not get I need your help right now they are trying to make me pay an additional {$2000.00}. on top of the {$990.00} or {$72.00} extra months this robbery and wrong. If I can't get help from you I will have to go to court for so remedies which to lawyer already recommended I do because they are in violation of the laws. I hope you can help I can't afford to go to court but if you can't help me I have to. 

Thank You
Product: Debt collection

On XX/XX/year> I received an unsigned letter from Professional Credit Services, XXXX XXXX XXXX XXXX, OR XXXX. The letter stated that the company was collecting a debt owed to XXXX XXXX in the amount of {$83.00}. 
I sent them a letter disputing the claim. 
They sent another unsigned letter, without any of the information that I requested, and said I owed the same amount. This letter threatened to add interest. 
I called and negotiated for a settlement of the alleged debt. We agreed upon a final payment of {$58.00}. I sent check # XXXX for {$58.00} on XX/XX/year>. I wrote : Negotiated Final Payment on the memo line of the check. The check was stamped and deposited to the account of XXXX XXXX XXXX at XXXXXXXX XXXX on XX/XX/year>. 
I received an unsigned letter from Professional Credit Services on XX/XX/year> stating that I owe {$25.00} for principal, interest, and penalty fees. This is why I am contacting you for help in this matter. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and the account was listed there. This account was opened XX/XX/2016, and it does not belong to me.
Product: Debt collection

Excessive phone calls from misleading numbers Caller id states it's from a XXXX XXXX on XX/XX/2023 at XXXX, XXXX, XXXX. When I reverse looked up the number it came back as Midland credit. 

Had calls from XXXX caller id states it's XXXX XXXX but reverse lookup comes back to Midland Credit. approximately on Numbers from XXXX XXXX link to Midland Credit have also called my number. I have been receiving at list 4-5 calls from Midland credit everyday for multiple weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPEN A XXXX  XXXX CREDIT CARD IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & XXXX  XXXX ; XXXX On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with XXXX CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have reached out about a missing payment that wasnt applied. No one got ahold of me : they didnt get my information on the lawsuit when I am supposed to be part of it. They ran my credit 4 times when I was approved for the loan multiple times. Made me sign a whole new contract. Didnt reimburse for the extended warranty that should have been able to be used. Sold a car that was defective. They have also called me from XXXX to XXXX 7 days a week after being on the do not call register. After I asked no to be contacted over 200 times in a week. Ran my credit innocorecty and reported to the wrong creditors
Product: Debt collection

The XXXX XXXX, XXXX XXXX, at the Center committed fraud. They were paid by XXXX XXXX XXXX XXXX years ago. They also charged for services that were non existent! They continue to harass! 
Have them stop harassing me ; and take off their wrongful charges of {$310.00} owed off my credit report. 

Bureau Name NORTHWEST FINANCIAL SVC Account Type Not Reported Original Len ... XXXX XXXX XXXX Responsibility Individual Age of Account 1 Year 8 Months Credit Limit Not Reported Highest Balance PAYMENT DETAILS {$310.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Former : XXXX XXXX Former : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 things showing a collection on my credit report and neither one I have any knowledge of and were not my accounts. The first one is AFNI, INC/SPRINT for {$770.00} and the second one is XXXX XXXX, XXXX XXXX  for {$800.00}. I've never had either one of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT LVNV ACCT XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHA ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Product: Credit reporting

There are closed accounts showing on my credit report and I have tried to dispute numerous times with no help available. 

Accounts Closed referring to : XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX
Product: Debt collection

I mailed out a Debt Validation letter to Macy 's On XXXX XXXX 2017. They responded but did not provided any Validation with my original signature. This account is impacting my credit score and is stopping me from getting a Mortgage.