23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX : Inquiries : XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 Equifax : Inquiries : XXXX XX/XX/2022
Product: Debt collection

I don't recognized this debt and I have ask to collection company to provide proof of the debt own, never received and answer. 
here 's what I have asked them constantly. 
I am writing in response to your Rent Recovery Solution LLC dated XX/XX/year>, regarding the above-referenced account. I am requesting that you provide full validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Specifically, I am requesting the following information to properly validate the debt : 1. A complete and detailed list of the payment history for this account, including the dates and amounts of all payments made and any fees or interest charges applied.

2. A copy of the original signed agreement that created the debt, bearing my signature, proving that I am responsible for the account.

3. Information regarding any insurance claims made on this account, if applicable.

4. The chain of title for this debt including documentation of any and all parties that have owned or collected on this account since its inception. 
Please consider this letter a formal dispute of the validity of this debt. I request that you cease all collection activities until you provide the requested documentation to verify that this debt is valid and that you have the legal right to collect it. 
Under the FDCPA, you are required to provide this information. I also request that all future communications with me regarding this debt be in writing. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

Im received multiple letters written to me by debt collector companies claimed I owe to multiple companies. According to 15 USC 1692 G, I requested the debt collector provide me the following information below : 1.Provide a copy of original contract with original creditor that I signed.

2.Detailed list of the history of payments made by me on this account from original creditor. ( Payment history ) 3.Provide the name and the address of the original creditor.

4.provide the signature that I put on a contract guaranteeing that I would pay this creditor.

5.Provide any insurance claim found on this debt ( has there been? ).

6.Provide the proof that the debt collector companies have the chain of title to collect on this debt. ( Proof of debt assignment ).

Unfortunately, I did not receive any reply. 

The names of the companies are listed below : * XXXX XXXX XXXX XXXX * Monarch Recovery Management , Inc . 
* XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX I was approved for a loan of {$1200.00}. The process was short over the phone, and I was told that I would receive the agreement in my email. 

XX/XX/XXXX I requested customer assistance with repaying the loan because I was unable to log into my account or get any online support with the website. The customer service call hours conflicted with my work. 

XX/XX/XXXX I received a response with my balance and told via email that my loan accrues interest daily. I was in shock and requested more information. 

XX/XX/XXXX I received the agreement which notes many stipulations I was unaware of when I signed the agreement. Such as : ad tracking, demand payment feature, annual interest rate of 558.47 % I have made XXXX payments on schedule and I am devastated that a small loan will now cost me {$5000.00}. This small loan is a bigger debt than I could have imagined. If I had received a copy of my agreement before signing I would have declined the offer for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received my credit report and inquired about the inquiries to the credit bureau, they explained to me that I need to speak with company, I sent out letters and no response.
Product: Mortgage

My Name is XXXX XXXX, I reside in XXXX, XXXX. XXXX ; ( XXXX ) XXXX. I have a Home Mortgage Loan with a XXXX Bank called Umpqua Bank. In the last year they bought out Sterling Bank, and had to go through a huge Conversion, during this time my Loan suddenly started having all kinds of Servicing problems. I started getting all kinds of fees, then This year due to me being a XXXX Veteran, I get a huge break on my County Taxes, then i that same time I switched from one Insurance Company to another one. They could n't figure out the Escrow, with the Taxes because of Being a Veteran, then suddenly I owed {$500.00} more in my Escrow Account, when my whole Taxes went down alot, then they still ca n't get the Account right and they keep charging me money, with no one to answer " why, How ' where, when '' Etc. I called my XXXX VA Loan Dept. they advised me to get all of last years profile of payments, I tried 3 times to obtain it,. Due to the Conversion they have split up all the Services and the Loan Department is now in XXXX, XXXX. No Umpqua Bank In XXXX has any acess to Loan or Escrow files, I have to call up XXXX, then Loan Dept. ca n't see Escrow nor Vica Versa. I have been treated very poorly, and I truly believe there is something Illegal going on with my Loan. I desperately need help. I have paperwork, notes etc for you when you need them. 

thank you for Your time and Cooperation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

Around XX/XX/XXXX chase sent me a mortgage statement showing I was one month behind on my mortgage. Chase attached late fees and dinged my credit. I contacted chase and spoke to XXXX XXXX. XXXX said he would look into it and sent me a years worth of payment history and no missed payments shown. I contacted chase again stating what I found. No missed payments.. chase said they will look into it again chase contacted me around XX/XX/XXXX. Chase stated the payment missing is from XX/XX/XXXX?? I asked for payment history from XX/XX/XXXX. I still have n't received any information. They continue to pile up late charges and hitting my credit.. no one at chase can clearly explain this issue to me. Why after 2 years is this the first time I hear about?. I feel they ca n't clearly explain what 's going on and are just putting me off. Meanwhile my late charges are piling up and credit score is taking a hit. Please help me resolve this issue Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

After four months of trying to get the credit bureaus to correct the errors in my report, I still have unverified accounts on my report. I have asked them in writing for proof of verification for going on five months now I have supporting documentation. On one particular account the alleged creditor was deleted because of the erroneous account but the collection account for the same false and since then deleted account has been never been removed ( that took four months to complete ) I have asked all three bureaus to send me documentation of these accounts they are claiming are mine I have had a lock put on my credit reports for having fraudulent activity I am simply trying to correct the damage do to my account and am receiving an extremely hard time trying to do so.
Product: Student loan

I have been repaying my student loans since graduating from college ( no small feat - a sum that is now about $ 600+ every month ). XXXX are federal ; the other XXXX are serviced by Navient ( formerly XXXX XXXX ). 

My complaint is as such : For over a year, I have been requesting that, as a consumer in good standing with great credit, my father be released as cosigner from my loan. XXXX XXXX ( and then Navient ) has had me jump through countless hoops - the first of which is, of course, being able to get past their customer service. Every time I have begun this conversation with them, I am told that for reason " X '' I can not release my father as cosigner, but to call back in 2, 4, 6 months. 

Upon my latest call with Navient, I reached wit 's end. Whilst his colleagues said I would be eligible in XX/XX/XXXX, then XX/XX/XXXX, etc. etc., he told me I am ineligible on the grounds of not making " the required consecutive on time principal and interest payments. " I am not one to complain or lodge accusations against others, particularly financial institutions. But Navient has mislead me, made it inexplicably difficult to discuss my greivances, and ultimately removed any faith I 've had in their institution as a whole.
Product: Credit card

I all fifth and third credit cards accounts are closed. I need them removed. I was victim of fraud..
Product: Payday loan, title loan, or personal loan

I paid this item off on XX/XX/2022. I requested the line of credit to be closed. It never was, and is still on my credit report. I also can not look at any details about the account on my credit report.
Product: Credit reporting or other personal consumer reports

This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a Charge off every month after XX/XX/XXXX. I never received a 1099 C from Wells Fargo. I disputed it on XX/XX/XXXX and the results of the dispute stated Information on this item has been updated. Please review your report for the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I XXXX XXXX have reached out to this company regarding a debt on my credit reports from XXXX XXXX XXXX it is reporting open it and is also reporting I have late payments. This account is not my account I do not have an open account with this company and the balance is incorrect as well as the payment history reporting on my transunion report. This company agreed to getting this corrected back in XX/XX/2022. This length of time is unacceptable and I would like this resolved immediately please.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This LVNV FUNDING account with a balance of {$320.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Product: Debt collection

The XXXX XXXX XXXX XXXX took on a collection debt on XX/XX/2023 From One Main Financial. I obtained attorney to settle the amount from XXXX to XXXX which I signed off to pay. With this Law Firm it only accepts one form of payment to be a collection agency. Which this Law Firm does not accept my checking account due to its a debit card but I have never had any issues using my checking for ACH debit. With this being a Law firm collection agency how can they only allow one form of payment. The collection agent gave me the incorrect code For money gram. I believe they are making it hard for customers to make their payments to have to take them to court. They are rude and unprofessional. This Law Firm needs to be Investigated. I have filed a complaint with the Attorney General also
Product: Mortgage

Currently Mr. Cooper claims that I am missing a payment and continues to bill me for said payment. I have been charged at least ( 5 ) late fees of {$40.00} as well. 

My XXXX XXXX XXXX XXXX bill pay and checking account records clearly show that I have made every payment on time since I obtained the mortgage, as well as my {$490.00} additional payment for escrow shortage. 

This is the second similar issue ( the first was partially resolved ) of the same type. I have made all of my mortgage payments, and Mr. Cooper continues to misplace the money and negatively affect my account and credit score as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION for XXXX   AND XXXX. I have even contacted CONNS LEGAL DEPARTMENT, and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. I have been getting the run around since XX/XX/XXXX with these Credit Reporting Agencies and CONNS APPLIANCES. 

CONNS XXXX XXXX XXXX XXXX TX, XXXX XXXX I have been writing letters and repeated Phone Calls and now CONNS are messing up my credit and life with other companies because I am trying to purchase a House for my family and I and I am trying to prepare to take them to court for DEFAMATION OF CHARACTER.
Product: Debt collection

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
CREDIT COLL XXXXXXXX Date Opened XX/XX/2022 Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my Nordstrom Card credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 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. 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: Debt collection

On XX/XX/XXXX  I received an email from a company called XXXX, a collection agency which indicated that they were collecting a debt for LVNV Funding also a collection agency. The email stated that the original creditor was XXXX XXXX XXXX. The email also stated the debt was too old to collect upon or report to any credit bureau. The whole thing sounded suspicious one collection agency collecting for another. 
I have never knowingly done business with XXXX XXXX Bank. 
I sent a letter to XXXX stating that the entire collection attempt was invalid and disputed and I requested validation. 
I received a letter today from Resurgent Capital Services trying to collect on the same debt. Their letter acknowledged the XXXX contact inquiry and referenced the owner as LVNV funding with the originator XXXX XXXX XXXX. They did not provide validation of the debt. 
This letter also states the debt is beyond the age of collection and too old to send to a credit bureau. 
This whole thing appears to be one big scam with several collection agencies involved.
Product: Credit card or prepaid card

Changed my phone number on the account, which forced a lock. Been trying to contact the credit card company and every time they say it is under review and I would receive a call from them, but I am yet to hear back in 2 months, every time I call they say they can not help since the verification call has to be an outbound call. Atrocious considering I can not access any of my account information, can not pay my bill without having to call in, all active subscriptions are on hold, and I cAn not use my account for any purpose. All I need is to verify my phone number, how hard can that be? 

Phone no in question : XXXX ( they need this to pull the acc info )
Product: Credit reporting or other personal consumer reports

DISPUTE FILEDXX/XX/XXXXXXXX DISPUTE WASNT INVESTIGATED DISPUTE FILEDXX/XX/XXXXXXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILEDXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXXXX/XX/XXXX WASNT INVESTGATED XXXX DISPUTE FILED XX/XX/year> XXXX XX/XX/XXXXWASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XX/XX/XXXXWASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XX/XX/XXXX WASNT INVESTIGATED
Product: Checking or savings account

I had an account with my son 2 separate account and linked together and bank of america closed 1 account that was overdraft and did not closed the other account now they took {$700.00} from my son account and are saying that it's money that I own and that they will not return his money back. what can I do for my son to get his money back as that money is from his paycheck and non of that money belongs to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Any time I try to contact Experian, I receive either an automated message from Experian stating they can't assist me by phone, and I need to send them my request via paper, or I receive the same response on the website, but I can never speak with a Human. I have sent all of my documentation in previously to obtain my credit report. 

When I tried calling the number on the website XXXX, I received an automated system that would not let me speak with a Human, but rather took my information and advised that I would have to mail my issue to the company with proof of who I am to assist me. I then called back and tried a different option ( you only have two ), trying to speak with a person, and the option again took my SSN, zip code, and the house number, and then asked me to record my name, and zip code, and then told me my 'request to add a security fraud on my account had been received and would be reported to all Credit Bureaus '. but not an option to speak with someone directly. 

this is ridiculous. If you are going to have control over anything with my credit, it should be mandated that there is an option for me to speak to a live person. Not just two options on a queue and a disconnection. 

I was finally able to speak with someone by contacting the corporate office in IL, and being transferred to 'special services ' to speak with someone. it shouldn't be this difficult to speak with someone there, period.
Product: Debt collection

I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX  and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being XXXX XXXX, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides XXXX  and XXXX  XXXX. I can not name names, do to the fact that I was in the XXXX XXXX XXXX XXXX The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience. Company never verified the account information prior to submitting it to my credit report.