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

This debt was sold to another agency, XXXX ( XXXX XXXXXXXX XXXX  ). This agency made no attempts to contact me regarding the debt. Instead, they placed a derogatory credit item on my credit report, even though the original loan was taken out over XXXX years ago. I have made several written requests to resolve this debt but have not received any response from the agency. I have also disputed the information with each credit reporting agency, XXXX, XXXX XXXX, and Experian. However, these agencies have failed to review the validity of adding a debt to my credit file even though the debt is almost XXXX XXXX XXXX at this point.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act " XXXX XXXX XXXX - Acct Number ( XXXX ) '', has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

My loan is with Credit Acceptance for auto loan. My car is XXXX XXXX XXXX XXXX which I purchased in XX/XX/XXXX. My monthly payments is XXXX each month. The total cost is Initial Balance as of XX/XX/XXXX : {$31000.00} Remaining Balance as of XX/XX/XXXX : {$13000.00} Past Due Balance as of XX/XX/XXXX : {$370.00}. 
The finance charges are too steep. I have requested a payoff quote which is unbelievable. I'm constantly getting calls from automated service at least 10 to 15 calls each day.
Product: Debt collection

The CBE Group , Inc at XXXX XXXX XXXX XXXX, IA XXXX has been sending me collection notices in the amount of {$1200.00}. The Collection has been reported as pasted due balance. I do not know this company. I have never did business with this company. This company does not have a contract with my signature.
Product: Mortgage

Mr. Cooper purchased our home loan during sometime around XX/XX/2018 and since XX/XX/XXXX of this year when they incorrectly complied our escrow payment increasing our house payment XXXX a month from XXXX TO XXXX. To continue the issues, they then incorrectly applied our XXXX electronic payment towards principle and not towards our loan on several occasions. These two events have compound and incorrectly caused undo stress and hardships on my family. 
XX/XX/XXXX PAYMENT OF XXXX was sent and received to Mr. Cooper. 
XX/XX/XXXX Late fee was applied of XXXX. 
XX/XX/XXXX- Received bill stating our Monthly payment had increased from XXXX to XXXX. Additionally, bill stated XX/XX/XXXX payment would be XXXX XX/XX/XXXX- Received a letter stating our payment of XXXX was not received on XX/XX/XXXX. 
XX/XX/XXXX- Received a letter stating our loan was in default. Total amount due was XXXX XX/XX/XXXX- Contact Mr. Cooper agent at XXXX XXXX to inquire about issues with incorrect billing and delinquent notices. Spoke with a nice agent name XXXX, notified us that XXXX went incorrectly to principle and not towards interest/escrow/loan. She transferred the payment manually and removed the XXXX late fee. Additionally, she transferred us to another department, spoke with XXXX, to correct the issues with escrow being incorrectly multiplied and received notification that our monthly payment went down to XXXX. Furthermore, we received notification that we overpaid our escrow and would be receiving a check for XXXX. 
XX/XX/XXXX Received a letter notifying that payment was inappropriately applied payment to unapplied funds account and our account was delinquent XXXX. 
XX/XX/XXXX Received notification that XXXX XXXX would be our dedicated loan specialist a he would help us resolve our financial issues. Seeings that the only issue I have is that Mr. Cooper can do simple accounting, I presume firing a few people would be appropriate. Did not contact XXXX XXXX. 
XX/XX/XXXX Received certified letter stating our rights and that there is a attempt to make collection on XXXX loan. 
XX/XX/XXXX Received another letter from XXXX XXXX about available loss mitigation. Did not contact XXXX XXXX as there has been nor should have been any issues. 
XX/XX/XXXX Spoke with XXXX again, told here that our payment wasn't correctly applied again to loan. Submitted two payments that day for XXXX and an additional, XXXX. The XXXX I believe is a overcharge from the original SNAFU ESCROW issue. Was notified that account was up to date we could ignore the collection notifications. 
XX/XX/XXXX Received letter from Mr. Cooper stating we owe XXXX. 
XX/XX/XXXX Received loan statement that regular monthly payment is XXXX but we amount due is XXXX and XXXX payment was not correctly applied again. 

I will continue to work with Mr. Cooper but they continue to incorrectly apply payments and can't seem to do proper accounting.
Product: Debt collection

I have been in a debt since XX/XX/XXXX paying mostly interest charges so I joined national freedom relief XX/XX/XXXX. XX/XX/XXXX, I was served papers at my work for XXXX of the cards.. I found out that they only worked on XXXX out of the XXXX cards I put in, and in that process their fee was {$2500.00}. I was so angry and upset. On XXXX XXXX, XXXX, I made an agreement with XXXX of {$100.00} a month to be paid on the XXXX of every month. I tried to make the next payment and they are saying that the agreement was for {$200.00}. I tried to explain that {$200.00} is too much. Of course they do n't care and told me that I have a judgment against me from XX/XX/XXXX..and now I broke the agreement. I explained that I had told her {$100.00} and theyre telling me I said {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX account thta says charge off that is not true and XXXX  accounts i do not not reconized
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SET UP A SETTLEMENT AGREEMENT OVER THE PHONE. THEY GAVE ME A SETTLE AMOUNT OF {$810.00} ON MY LUMBER LIQUIDATOR ACCT THAT WAS SUPPOSE TO SPLIT AND PAID IN 2 INSTALLMENTS AND TAKEN FROM MY CHASE ACCT. ONCE THE 2 PAYMENTS WERE SUCCESSFULLY DRAWN ON THE TWO AGREED, I WOULD GET A LETTER IN THE MAIL THAT MY SETTLEMENT WAS FULFILLED FOR MY LUMBER LIQUIDATED ACCT. 

XX/XX/2020, I GAVE THE SYNCHRONY REP. MY XXXX   CHECKING ACCT # AND ROUTING # TO SETUP THE 2 AUTOMATIC WITHDRAWS FOR THE FOLLOWING DATES THEY SET-UP. 

-FIRST SCHEDULED PAYMENT - XX/XX/2020 FOR {$400.00} ( SUCCESSFUL ) -SECOND PAYMENT - XX/XX/2020, NOTHING CAME OUT MY XXXX ACCT. I EVEN CALLED MY BANK AND THEY VERIFIED NOTHING WAS PULLED BY SYNCHRONY BANK. 

XX/XX/2020, I NOTICED THE MONEY STILL HAD NOT BEEN TAKEN FROM MY XXXX  ACCT. I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SEE WHAT HAPPENED & WHY THEY DIDN'T PULL THE SECOND PAYMENT FOR {$400.00} AS AGREED. THE SYNCHRONY REP SAID SHE DIDN'T SEE THE 2ND PAYMENT SCHEDULED ON HER END AND WOULD SUBMIT A COMPLAINT FOR ME. 
SHE SAID MY SETTLEMENT STILL LOOKED ACTIVE ( AS OF XX/XX/2020 ) AND ASKED DID I WANT TO MAKE THE SECOND PAYMENT THEN INSTEAD. SHE SAID MY ACH BANKING INFO WAS STILL ON FILE, SO SHE INITIATED THE PAYMENT OF {$400.00} TO COME OUT OF MY XXXX  ACCT. THE WITHDRAW FROM THEM WAS POSTED ON XXXX ACCT ON XX/XX/2020. 

XX/XX/2020 I GOT AN EMAILED LETTER FROM SYNCHRONY DATED, XX/XX/XXXX SAYING THAT I DIDN'T SETTLE MY ACCT AS AGREED AND THEY WOULD REPORT MY ACCT AS BAD DEBT TO ALL THE CREDIT AGENCIES. 

XX/XX/2020 I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX XXXX AND THE LADY CLAIMED SHE COULDN'T DO ANYTHING AND GAVE ME THE # TO THEIR RECOVER TEAM AT PHONE # XXXX. THE RECOVERY TEAM REP SAID SHE UNDERSTOOD MY SITUATION AND APOLOGIZED FOR MISUNDERSTANDING BUT COULDN'T HONOR THE SETTLEMENT STILL. I TRIED TO EXPLAIN TO HER THEY DIDN'T HONOR IT BECAUSE THEY NEVER PULLED IT. I'M THE ONE THAT CALLED IN AFTER I NOTICED IT WAS PULLED ON XX/XX/XXXX AND MADE THEM TAKE IT ON XX/XX/XXXX. THE SYNCHRONY RECOVERY TEAM REP STILL SAID SHE AND HER MANAGER COULDN'T HONOR THE ORIGINAL SETTLEMENT AND TRIED TO OFFER ME A SECOND SETTLEMENT ON THE REMAINING ORIGINAL BALANCE. I SAID NO! BECAUSE THAT'S NOT FAIR. I PAID THE FULL SETTLEMENT AMOUNT AGREED ON, ITS NOT MY FAULT SYNCHRONY DIDN'T PULL THE SECOND ACH PAYMENT AS AGREED! 

XX/XX/XXXX, I ALSO CALLED MY MY BANK XXXX XXXX   & THEY TOO CONFIRMED SYNCHRONY SET UP AN ACH PAYMENT ON XX/XX/XXXX AND INITIATED THAT PAYMENT OF {$400.00}, BUT NEVER DID ATTEMPT TO TAKE THE SECOND PAYMENT OUT ON XX/XX/XXXX FOR {$400.00}. 

I AM HIGHLY UPSET AND FEEL THAT I WAS MISLEAD & NO ONE TRIED TO HELP ME! I DID MY DUE DILIGENCE in communicating and following up! I want my settlement honored and I also want them to delete any default, bad debt or negative information from my account FOR ALL THE DISTRESS!!!!!
Product: Payday loan, title loan, or personal loan

Southern Finance verbally denied me of a loan simply because I work for a payday loan company. Is this legal or a form of discrimination?
Product: Student loan

I should have had counseling to ensure i could repay a loan higher than that secured by homeowners for mortgages and with higher interest rates. 
i should not have had my payment triple in one year under IBR when my salary did not.

i should not have been approved for loans amounting to 100 times my yearly salary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1200.00} Closed 8 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1200.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Closed 6 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$25000.00} {$25000.00} inquires : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Your XXXX credit file is unlocked Lock your XXXX  Credit File to prevent identity theft. 
Unlocked
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting.

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well.

Request is hereby made that XXXX XXXX XXXX  and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report.

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX has with XXXX, and advise how XXXX XXXX XXXX and XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer report. The alleged collection account is not mine. 

Inaccurate information : Collections XXXX XXXX XXXX Opened XXXX {$940.00}
Product: Credit reporting or other personal consumer reports

I put a freeze on my credit report more than a year ago. I need to lift the freeze for employment reasons. I tried to log into the site and had issues. I tried resetting the password. I did this for more than 30 minutes. I then looked up the phone number and called. I have been on hold for 20 minutes now with no human to speak with. This is with Transunion. I was able to release the freeze with XXXX and XXXX in just a few minutes. I can't loose my job over this issue. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Debt collection

My name is XXXX XXXX XXXX Collection agency collect me payment. 
Because first time i open my credit report i saw collection there. 
I called collection company asked them what is goin on. 
They you have pill form charter communication which you did not pay. 
I told i only had service with one year ago and already paid to them every penny and even gave them back their equipment. 
They said it is yours if you pay now we remove just pay it. 
I gave my debit card number. 
After that i confused search more information i disputed my payment called them sent dispute to my bank. 
I asked them to validate. 
They sent me validation letter which is absolutely different person and different name with slightly similar to my name. 
Address of the service if different. i called them i explain everything they said you pay why yoy callingthey and they cutt of the phone. 
I can proof everything that they mistook me for someone else. As i was n't living there moved a year ago and never lived or had service the address of the service they provided.
Product: Debt collection

Upon first receiving a phone call from Credit Consulting Services , Inc which is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I told them I wished only to be contacted via mail and that I would need to verify the debt of {$150.00}. The call was on a recorded line and they said they would only contact me by mail. 

I received repeated calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today on XX/XX/XXXX. On XX/XX/XXXX I reiterated that I was not to be contacted via telephone and that I had not received any communication from them by mail. 

Today, XX/XX/XXXX they called again and I told the debt collector that I had said I was not to be contacted by phone, only by mail, and asked why they were calling. I told the caller that it was a violation of the FDCPA for them to continue calling me and asked what their records showed for recent calls. 

They stated that the called me on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. They claimed that there were no notes in my file stating I could not be contacted by phone but that all calls were recorded and saved. 

I requested all records ( notes and recordings ) be sent to me only via mail and that I am officially requesting that they maintain all records as I believe they violated the FDCPA. The caller indicated that they understood that the FDCPA prohibited them from calling me after I requested to only be contacted via mail. 

Their XXXX  Debt Collector License Number is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681, XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XX/XX/XXXX XXXX Has violated my rights. I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ). And according to 15 usc 1681 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generallf after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer And according to 15 usc 1681s-2 they are suppose to 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: Student loan

I attempted to submit paperwork required for a grant managed through my FedLoanServicing student loan account. I filled out the online paperwork and failed to realize hard copies were needed. When I realized, I got these copies and mailed them in. Over a month later, I received a letter stating that my grants were about to convert to loans because paperwork was not received. Upon reaching customer service ( after attempting email contact and not gaining a response that fully answered my question ), I was told the paperwork was rejected because the date format I used in a large blank box was mm/yyyy and they required mm/did/yyyy. Despite asking numerous times, I was told the only remedy was to completely reprint the paperwork, have it authorized again, scan it in and submit it in less than 48 hours.
Product: Credit card or prepaid card

I am a victim of identity theft. Someone I do not know hacked my computer and made this fraudulent charge amounting to {$17000.00} and was made on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX BANK # XXXX XXXX XXXX  XXXX under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!
Product: Credit card

I always ensure my payments on this account are made on time, so they never become overdue. I don't understand why there are late payment remarks on my accounts. Per 15 USC 1666b, billing errors must be corrected.
Product: Vehicle loan or lease

I borrowed money on a XXXX XXXX XXXX around XXXX. At the time I purchased the car I lived in XXXX  where it was registered with a XXXX to US Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. During the time of the loan, I took a job in XXXX  at which time I registered the car in XXXX  with the XXXX still on the car. In XXXX XXXXXXXX XXXX XXXXXXXX I paid off the loan and never received the Lien Release. In XXXXXXXX XXXX XXXXXXXX I moved back to XXXX  when I went to register the car in XXXX, I tried to get a title, but XXXX  can't give me a title as they were still waiting for the Lien release from US Bank. In XXXX I called US Bank, and they said they had to update my address in the system before they could send me the lien release. I updated my address with them and waited on my release it never showed up so in XX/XX/XXXX (? ) I called US Bank back they indicated there was a problem with whoever was updating my address so they would get that fixed and guaranteed me I would have the release within XXXX days by mail. On XXXX XXXX I called once again and spoke to a representative and asked if i could get the release emailed to the county, she said she could not but could email me a copy of the lien release I said that would be great. She sent me an email and it was just the original copy of the electronic lien that was placed on the car when it was purchased. On XX/XX/XXXX I called US Bank again to tell them I got the electronic copy of the receipt but I needed a release. they informed me they would get this expedited and I would receive a call back within XXXX to XXXX hours on when I could expect to receive the release. XX/XX/XXXX, I called US Bank as I never got a call, once again I was told the address on file was not a good address, so I verified my address, and it was the correct current address that I get mail to everyday. She said now that they have verified my address that I would receive a call within XXXX hours from a person to let me know when I can expect my lien release. I have asked multiple times if this release could be emailed directly to the county treasurer so that we could get this taken care of and they keep telling me they can't do that. When I first started this process, I was trying to renew my tag into the state where I now reside, but since the process started, we had a hailstorm, and my car has now been totaled and I have to produce a title to the insurance company, and my tag will expire in a month. I feel as if I have tried everything within my power to get this resolved, but at this point I am out of time and feel I am getting nowhere.
Product: Credit reporting or other personal consumer reports

A collection agency reported an account on my credit report from an account that I never had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX