23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent General Revenue Corporation a Cease and Desist Email on XX/XX/XXXX and on XX/XX/XXXX and they keep calling me at XXXX and XXXX
Product: Debt collection

TO WHOM IT MAY CONCERN : XXXX XXXX is not licensed to collect debts in XXXX Congress has made it clear that there is abudant evidence of the absuive deceptive and unfair debt collection practices by debt collectors like XXXX XXXX.Thank you for providing me with this documentary evidence of federal violations in the collection of an alleged debt I will need you to provide more documentary evidence of federal violations so i can continue to add to my lawsuit against XXXX XXXX XXXX XXXXXXXX.for the following federal violations 15USC 1692B 15USC 1692C 15 USC 1692D 15USC 1692E 15 USC 1692F 18 USC 1001
Product: Credit reporting or other personal consumer reports

This report highlights the ongoing noncompliance by Experian and XXXX in addressing multiple violations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes and requests, Experian has failed to validate or verify disputed items, provide necessary documentation substantiating alleged debts, and address unauthorized credit inquiries on my report. This has been happening since XXXX XXXX XXXX and I have not been receiving proof within the 30-day period or at all. I would have to check online without proof that things had been validated. 

I am also attaching letter that I have request for proof of permission for hard inquires.

Key Issues Reported : Failure to reinvestigate disputed items within the legally required 30-day period, as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of evidence proving my legal obligation to pay alleged debts, contrary to FCRA and IRS Code requirements under 26 U.S.C. 6050P.

Unauthorized hard credit inquiries without my explicit written consent, violating permissible purpose requirements outlined in 15 U.S.C. 1681b ( a ).

These actions have caused significant damage to my creditworthiness, financial opportunities, and emotional well-being. I demand immediate resolution, including : Removal of all inaccurate and unverifiable information from my credit report.

Written confirmation of these corrections.

Compensation for the harm caused, as permitted by the FCRA.

If these issues are not addressed, I will pursue legal action under the FCRA and FDCPA and report the violations to the FTC, CFPB, and my state Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX  XXXX {$800.00} XXXX  XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} FIRST XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}
Product: Mortgage

I have been impacted by Covid 19 laid off in XX/XX/2020. Then back to work 3 weeks later. My husband had to shut down at the XXXX  3 weeks However When I returned back to work it was partime, ( still am ) my husband clientele decreased. Our XXXX children are at home doing school. We have to buy love s of food. 
My financial institutions Homebridge has not help me during this time of me requesting help I need. We have filled out paperwork to prove our hardship, after sendIng in paperwork over a year now. We were told they didnt receive documentation. And kept sending in paperwork I have email proof of it all. We have been denied Assistance. After denial we tried to do a refinance but was told we are not making enough at this time. 
I sent an appeal letter they said they will get back to me within 30 days. 
I have learned that we actually dont need to fill our extension paperwork for assistance According to the CARES ACT. But this company has me filling out paperwork for an entire year of COVID and just recently sent a denial letter in XXXX. Please help me they are not helping or even letting you know you dont need a lot of paperwork to get help Thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains ( XXXX ) collection accounts from XXXX XXXX. These accounts have been settled and XXXX XXXX agreed to remove. 
They have not been removed and in fact show a payment made to reduce, which is false and fraudulent reporting, under the FCRA. 
Equifax will not allow me to dispute These account on their sight. 
I have all documentation and fact available including XXXX XXXX letters stating accounts settled and payment accepted and will be removed.
Product: Checking or savings account

I received my taxes and it was deposited onto my XXXX account. I wanted to withdraw it to my Citi bank checking account. When doing so I forgot that I had a card through XXXX tied to the account and accidentally sent it to that card. Because I dont have the debit card or access to the account anymore, I verified myself with XXXX and they sent me a physical check of {$490.00}. I went to deposit the check into my Citi bank checking account through the mobile app. They flagged my account seeing the account is new. In this review the decided that somehow the check was fraudulent. Ive tried to make contact with the company where XXXX women ( XXXX ) just sat there in silence for XXXX minutes until she hung up. Others tried giving me run around phrases when asking why the check was deemed fraudulent instead of answering. I have no real confirmed reason why the account was terminated. I am beyond distressed, my job and living situation are now compromised. The Account was negative {$150.00} but I deposited a {$490.00} check leaving {$340.00} that they said I wont be getting back. I have a message in my account about receiving the funds but I cant access it. I received an email about it. But I never received a security email text or call. I was locked out of my account with XXXX communication from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Product: Mortgage

Wells Fargo has sent a letter stating that we are behind two payments on our mortgage. I have sent letter to them on several occasions to ask what two months are you speaking of.They have sent back information that do not give real dates, they give the dates of the current date, dates in which is current for the last two months. We have receipts for the current months. 
I recently sent a letter on XX/XX/XXXX, XXXX. I have tried to resolve and get true answers. 
I received a letter dated XX/XX/XXXX stating I needed to apply make an application for something, they did not say but wanted income information before XX/XX/XXXX. I assume it 's before they go to foreclose on my home. We have completed this application in the pass and has been turned down on several occasions. I am finding it hard to know the truth and what 's false. I do n't believe they want to help. 

I am seeking the truth, not the program rituals they continue to give us. What is so hard about giving me true dates of missed payments? We were also concerned about the bankruptcy money and how it was applied to the loan. We have yet to see this applied. We question them and have written letter to ask that question. 

Wells Fargo is reporting that we owe {$20000.00}. Two missed payments, late fees of {$3500.00}. We tried to pay the late fee and they sent a check back to us. They would not take the payment. 

Can anyone get answers from them? I have worked on on trying to keep my home.
Product: Debt collection

I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent SOUTHWEST CREDIT SYSTEMS a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how you have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( XXXX ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. SOUTHWEST CREDIT SYSTEMS have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, XXXX my prior, written consent.
Product: Student loan

I am a co-signer for my son, XXXX XXXX. He attends XXXX University in XXXX, PAOn entry to school in XXXX 2011, he took out a XXXX XXXX loan, I co-signed. I was working a very good job at the time and we opted to pay the interest on this first loan right away. I was laid off from that good job a month after school started. All subsequent loans for school, taken every semester since his entry in XXXX 2011 until current, have been deferred payment loans - payments deferred until after he graduates. All loans were taken out on XXXXXXXXAt some point a few years ago, XXXX XXXX informed me that they merged with a company called Navient. At that time, I started getting XXXX different bills for XXXX different loans. I had no idea why as we never took out a loan without opting for the deferred student loan payment. I called XXXX XXXX and they told me they have now " unmerged '' - never notifying me. They left XXXX of our loans with Navient - without my consent. And in calling Navient, they state that they do not OFFER and DEFERRED PAYMENT student loan and thats why we are getting billed for all these loans. On top of this, I have been paying approx {$250.00} per month to Navient and they admitted to me on the phone that they " MISAPPLIED MY PAYMENTS '' causing me to " LOOK DELINQUENT '' and they reported such to the credit agencies, dropping my credit score and my sons credit score by XXXX points!!!! They said it will take days to fix and file a retraction with the credit agencies. No one was very nice or helpful at Navient. XXXX XXXX just blew me off - not their problem - they gave the loans away to someone else. Can you help me??
Product: Mortgage

Due to the covid-19 situation we were seeing if we could skip a month of mortgage with The Money Source. But they are allowing a 3 month forbearance but are requiring all 4 months payment right after the 3 months are up. The Money Source is no help during this crisis.
Product: Credit reporting or other personal consumer reports

I received an update from Experian and no change has been made. I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item reinvestigated immediately. The inaccurcies are highly injurious to my credit score. ( XXXX XXXX XXXX  Account Number : XXXX ) In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation. 
I attached my ID, Social Security Card, Proof of Address, and screenshot of account on Experian website. 

Thank you
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 seven 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.
Product: Mortgage

For a couple of YEARS now we have had a billing issue where we purchased a home warranty from a company Nationstar ( now they changed their name to Mr. Cooper ) recommended. We paid the warranty company in full, each time a one year policy payment upfront. Yet Nationstar/Mr. Cooper shows overdue payment ( s ) of {$860.00} for this " Optional Insurance ''. We have called several times, sent in the proof of the annual payment, and the consecutive annual payment we paid, including a copy of the bank statement showing all paid at once. 

Upon talking to various Nationstar/Mr. Cooper personnel, they first said " You have to call the home warranty company as they authorized Nationstar/Mr. Cooper to automatically pay from your monthly mortgage payment ''. I called the home warranty company, they said absolutely not, they did not notify Nationstar/Mr. Cooper to deduct that as they show we pay the entire bill upfront directly to them. I did not authorize the deduction monthly, I have asked for proof of such authorization and Nationstar/Mr. Cooper can not provide that proof to me ( because they do not have any such authorization ). 

Even putting Nationstar/Mr. Cooper on a conference call with the home warranty company supervisor, has not stopped Nationstar/Mr. Cooper from continually putting this incorrect/bogus amount on our monthly mortgage statement. We had assurances they would, and still each time I call they say in " 10 days we will send a letter showing the amount removed '' and they NEVER DO! So now our XX/XX/2018 statement STILL shows the amount " Overdue Payment ( s ) of {$860.00} and WE DO NOT OWE AND THEY REFUSE TO REMOVE IT. 
We took their recommendation, bought and paid for the home warranty policy, renewed and again paid the complete annual policy amount, all shown on our bank XXXX Statement and they REFUSE to comply with our request. We are done, we need help and they will not correct this, we ask they be ordered to correct the mortgage statement and put in writing they have done so please.
Product: Payday loan, title loan, or personal loan

I purchased a brand new car from XXXX on XX/XX/XXXX. On the first week I started to have grindy noisy coming from the brakes. On the first XXXX miles maintenance at the dealership, I asked them to check the brakes and they told me it was fine. On XX/XX/XXXX, XXXX of the brake pads fell down and the company addressed this issue as a manufacture defect and they fixed it for free. On XX/XX/XXXX, which is only after 8 month I started to have this noisy again coming from the brakes but I couldn't take it to the dealer due to the COVID situation. I took it there on XX/XX/XXXX for the same reason and they didn't want to fix it this time. They asked me to pay around {$1100.00} because it's not a manufacture defect. However, the first time they said it was. The car is not even 2 years old and only has XXXX miles. I purchased a brand new car to avoid this kind of headache. The car is XXXX XXXX XXXX. I looked on the internet and I found many people with the same car have the same complain about the same issue.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX XXXX XXXX multiple times about my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent. I have notified and sent letters to XXXX, XXXX and Experian dispute and they keep updating and verified the inaccurate collection of something is not done immediately I will be filing a lawsuit against XXXX, experian, and XXXX as this is affecting my credit. I never had a account with XXXX XXXX
Product: Debt collection

For the past 3 months Mrs BPO has been contacting me every other day via txt message. Ive asked them to stop for months.. I do not owe the company. It had gone past excessive and I am being harassed every other day via txt message. Today I received a txt message in which they advised me to use my tax refund to pay alleged scam amount. Below is a paste copy of the txt coming from XXXX ( XXXX ) XXXX XXXX, your tax refund can help clear your XXXX account ending in XXXX with MRS BPO LLC. MRS is a collection agency. Use it to settle quickly and easilydont wait! 

Call : ( XXXX ) XXXX Visit : XXXX XXXX XXXXXXXX XXXX XXXX : Reply STOP XXXXXXXX XXXX  mrsbpo.com/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX balance XXXX XXXX  XXXX XXXX XXXX XXXX XXXX balance XXXX consumer name XXXX XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX balance XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : CFPB Complaint # XXXX-XXXX  Experian failed to read the letter attached to the complaint which detailed multiple legal issues regarding the erroneous US Department of Education entries on my credit report. According to their response dated XX/XX/XXXX via Experian report # XXXX, they only addressed a fraudulent collection account which had apparently been removed from my credit report by the time they finally received CFPB Complaint # XXXX-XXXX. 

Consequently, their response was incomplete and has, once again, failed to address all of the dispute issues within the 30 days originally provided to them by me in late XXXX. Exactly how many " chances '' do they receive before they are sanctioned for continuing to violate FCRA and other laws? 

Who had contact with US Department of Education in XX/XX/XXXX I had no such contact with them so they are violating FCRA by posting that as a status date in addition to the fact that both US Department of Education and Experian have repeatedly failed to provide me with any of the legally required evidence proving that those debts belong to me - which they do not. Again, all in direct violation of FCRA and other governing laws. 

It is very important to note the attached XX/XX/XXXX letter about this issue that I sent via USPS Certified mail to Experian which they 100 % failed to answer whatsoever - yet another third-party witness verification - USPS Certified mail delivery confirmation is considered sworn testimony - of their repeated failures to respond within 30 days as prescribed by FCRA and other governing laws. 

I am attaching all available USPS Certified Return receipts from my correspondence directly with Experian in XXXX as well as my recent letters addressed to CFPB about this still-unresolved non-response about the erroneous US Department of Education credit report entries.
Product: Money transfer, virtual currency, or money service

I made a transaction through money gram to my wife, her card was shut off in her app so within 3 minutes the transaction was cancelled, I received an email from money gram stating I would have my refund within 24 hours, XXXXXXXX XXXX  was the card I sent the $ from its the XXXX XXXX XXXX XXXX card I sent it to my wifes XXXX XXXX card, I received emails from both banks stating everything is cleared from this transaction and money gram is refusing to give me back my money this transaction was done on XXXX XXXX its now XXXX XXXX seven days have passed and they have refused to help through the online chat I was told they could expedite the process I spoke to a manager on the phone and no one will do anything, this money was sent to my wife for her to get home shes stuck XXXX miles from home and now has ended up in the hospital from a heat XXXX and our minor child is with her and this company refuses to give me back what was promised within 24 hours and their staff told me the process could be expedited and yet shes sat there a week now and I cant get my money back to either have someone help her get home or go to her myself and bring her home because in my opinion with all this prior emails etc I feel like this company is stealing my money when they refuse to refund me or even do anything in an emergency situation even management refuses to help I need my money immediately its not theirs to keep the transaction amount with their fees was {$250.00}