23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I had an XXXX  door to door person offer a package deal for wireless and internet that I opted for. In this 'deal ' I got the newest XXXX. All I had to pay that day was 'tax on the XXXX ' I'd be getting, which was {$100.00}. I returned the phone in plenty of time not to pay any fees, didn't get any better service than I had with my XXXX with another cellular company. I returned the phone to the XXXX  store, got a receipt, but XXXX  still said the phone can't be found. Finally they FOUND it after a few months but still had not returned my TAX on the purchase! I was due the {$100.00} back, but instead they ignored helping me and I had to dispute this charge on my Visa. They tried to get XXXX and didn't get a response so I got my taxes on purchase refunded. Since then, I was billed over and over for it?? I called explaining this mulitple times, no one thought it was any big deal, did not help and finally it was turned over to XXXX XXXX XXXX out of NY, who hounded me with call after call for months and months but my phone blocks spam calling at this point. Now it has been changed to a new collection agency as of XX/XX/XXXX ENHANCED RECOVERY COLLECTIONS out of XXXX, FL. The process to dispute starts all over again, with what was MY money in the first place and my Visa investigated this and gave me the money back.. and yet I deal with this continuously for nearing 2 years now. I was advised by my identity theft protection company that monitors all my credit to write a complain to CFPB.
Product: Debt collection

I am complaining because Southwest Credit XXXX  Systems put a derogatory mark on my credit report for a debt that is not mine. 

Southwest Credit XXXX Systems has been harassing me for months if not years by calling me all hours of the day and night. In the beginning I answered these calls, and they were very rude and unhelpful. When I asked them to provide information regarding my alleged debt, they disconnected the call. This happened several times. I thought this was spam until they put a derogatory mark on my credit report.

My best recollection is that the alleged debt is for a XXXX bill in the amount of approximately {$100.00}. This debt is not mine. It should have been charged to the building ( XXXX XXXX XXXX ) because it covered a time period after I had terminated my lease and moved out. I distinctly remember informing either XXXX or Southwest Credit XXXX Systems that the debt was the building 's, not mine. I believe Southwest Credit XXXX Systems has a legal obligation to validate a dispute, and I never received any evidence of any efforts by anybody to validate that the debt is actually mine.

I have never had a derogatory mark on my credit report before. My credit score has dropped by XXXX points. I am a lawyer filling out an application for admission to the state bar of another jurisdiction and now I have to report a financial delinquency that never should have been attributed to me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent disputes to all three crdeit bureaus as well as the creditor ( CBNA ) And ask them to send me copies of the application with my signature
Product: Mortgage

On XX/XX/XXXX I closed on a home purchase with Quicken loans. I chose to waive escrows and paid additional cost on my loan because of this. I also had to pay my homeowners insurance policy in full for the year in order to accomplish this. I paid the extra cost and policy in full. ( Closing disclosure, Page 2 section F. prepaids ) On Monday XX/XX/XXXX I began to receive emails from Quicken indicating my insurance policy has expired and is no longer valid & they need my new insurance information. That same day, my cousin who is the co-borrower on the loan & I reached out to Quickens customer service team and provided them with the same insurance deceleration page showing the same policy from when the home was purchased. ( We did not change policies or companies ) They confirmed it was an issue/error that will be resolved. A few months go by with nothing else regarding this. 
As of today XX/XX/XXXX. When viewing my XXXX mortgage statement ( see attached ) it indicated we have - {$2800.00} in the escrow balance**. On page 2 of the same mortgage statement it indicates ** means " A negative balance is a result of a payment Quicken Loans has made on your behalf to cover any outstanding charges or fees. '' Quicken also issued an escrow analysis statement ( see attached ) which states the following escrow shortage is at {$4300.00} and starting XX/XX/XXXX my new payment will be {$1600.00} which covers principal and interest, escrow & escrow shortage. 
My insurance policy never lapsed. Quicken was made aware of this after there first notice. 
I paid extra to waive an escrow account, I paid my policy in full at closing to waive the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looked at my credit report today saw fraudulent inquiries. One from XXXX   second from XXXX. Both was not my doing. I am a victim of identity theft. These inquiries was done by me or to my knowledge. These need to come off. Also under collections they have an account from XXXX XXXX XXXX This is not my account. This account was not opened by me this is not mine. Its fraud!
Product: Mortgage

On XXXX XXXX, 2015, I visited Banco Populars Loss Mitigation offices to apply for an alternative [ toforeclosure ], since I was unemployed and my mortgage loan is in arrears, and I want to keep my home. 
To this day, XXXX XXXX, 2015, I havent received any notification from the bank. I didnt receivenotification within five working days of filing the application, and now more than 30 days have gone by, and I havent been informed of any decision. I am including a complete timeline of my case. 
I hope you can help me, because I dont want to lose my home, and I want banks to learn to treat theircustomers well. 
Thank you in advance!
Product: Debt collection

Spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS DELETED MY CONSUMER ACCOUNT AFTER NOTICE OF THE VIOLATIONS TO MY CONSUMER FRAUD INFORMATION BY EQUIFAX. EQUIFAX IS CONTINUING TO DISABLE MY ACCOUNT IN RETALIATION TO SUBMISSION OF COMPLAINTS AND NO ENFORCEMENT OR ACCOUNTABILITY IS BEING ENFORCED BY CFPB.
Product: Debt collection

I took a XXXX student ( XXXX ) and XXXX XXXX XXXX ( XXXX ) from XXXX university in XX/XX/XXXX which were both sent to collection agency conserve in XX/XX/XXXX. I fully paid both of these loans through conserve XX/XX/XXXX at the amount of {$8900.00} total and have attached the documents to this email stating I have fully paid both loans and have a balance of {$0.00}. A few months ago, the XXXX student loan that was already paid off was again taken to a different collection agency, XXXX XXXX XXXX. The portal XXXX XXXX showed that the entire payment was put towards the XXXX XXXX XXXX and {$0.00} to the XXXX student loan making it look as if I overpaid one loan and didn't pay at all for the other. I contacted them and XXXX university, as well as conserve who all have said I have a {$0.00} balance and owe {$0.00} and was told this would be taken care of. I logged on to XXXX again and now instead of showing the XXXX student loan is in collections ( it should show " paid in full '', it shows that I owe {$990.00} with a payment of {$40.00} due on XX/XX/XXXX. I called XXXX again and they told me they were contacted by a XXXX university staff member, XXXX XXXX, stating that I still owe this much money toward the XXXX student loan. I again contacted XXXX university 's XXXX 's office and financial aid office and they have said I do not owe any money and my account balance is {$0.00}. i was told to email the documents as well as a description of the issues to the XXXX University treasury to get this straightened out and for XXXX to be contacted to correct this error and show that both loans ( XXXX XXXX and XXXX student have been paid in full, which I did on XX/XX/XXXX, however I have no recieved any response or confirmation that this issue is being taken care of. My credit report now shows a delinquency of a {$990.00} payment that does not exist and I have contacted these three companies numerous times since XX/XX/XXXX and nobody seems to be helping to solve this problem. I have attached the documents of proof from conserve collection agency that both of these loans are paid in full. 

**THE PASSWORD FOR THE DOCUMENT IS : XXXX Thank you, XXXX XXXX Student ID @ XXXX
Product: Debt collection

I am a federally protected consumer, as such I have the right to privacy. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. I am the executrix of my estate in the name of XXXX XXXX. Whereas I believe them to be a debt buyer, TRANSWORLD SYS INCXXXX must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, documents, and corporate records that pertains to accounts XXXX, XXXX, XXXX, XXXX ON THE PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Product: Student loan

In XXXX XXXX, my XXXX tax refund was offset by GC Services who has purchased my student loan account from the Dept. of Education.When I initially contacted GC services they ignored my request for any proof that I owed any money to them. 
I decided to take my dispute up with XXXX, who later advised me that the debt was valid w/o so much of proof provided. 
So I decided to take it a step further and request GC Services validate the debt sent certified mail on XXXX/XXXX/XXXX and which they received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a letter from GC Services indicating that I received a loan from XXXX University. Since I never attended XXXX University, I requested a formal letter from the school indicating that I never attended and borrow any Title VI loans from there school. The notice and proff was sent again certified mail on XXXX/XXXX/XXXX and signed for on XXXX/XXXX/XXXX. 
It has been now 16 days and I see that GC Services not only has the amount listed on all XXXX credit bureaus as a derogatory account, but still has a balance owing of around {$3000.00} in which they just assigned back to the government for collection. I feel since they know they did not have the right to collect {$7200.00} on this account and I was seeking reimbursement, they decided to sale the account by taking my money and running.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation. 
\nI demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX  ( open XX/XX/XXXX amount : {$9900.00} ) XXXX ( open XX/XX/XXXX amount of : XXXX ) XXXX XXXX ( open XX/XX/XXXX amount : {$120.00} ) XXXX XXXX XXXX XXXX XXXX ( open XX/XX/XXXX amount : {$120.00} ) XXXX XXXX XXXX ( XXXX XX/XX/XXXX amount : {$500.00} ) XXXX XXXX XXXX ( open XX/XX/XXXX amounts XXXX ) XXXX XXXX ( open XX/XX/XXXX amount {$370.00} ) XXXX ( open XX/XX/XXXX amount {$120.00} ) Fraudulent Credit inquiries are as follows : XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX AXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX XXXX, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion about credit inquiries that was showing up on credit report and I ask them to remove them because I was a victim of fraud ... the credit inquiries was mortgage inquiries I have not authorize no lenders to check my credit for a mortgage loan or auto loan I am not in the market for no mortgage loan or auto loan ... and also XXXX and XXXX XXXX are fraudulent accounts I will like those accounts to be remove also
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the credit bureaus have allowed the debt collection company, Portfolio XXXX XXXX to illegally report against my consumer credit files. XXXX, most recently verified the account. As a consumer, I am very aware that there are very limited choices that I can make in order to dispute these items and the reports favor the company over the consumer. They pay to be allowed to be able to report against consumer credit files and it shows when a consumer disputes illegally reported information.
Product: Mortgage

Wells agreed to a loan modification ( approximately a $ XXXX/mo change on a {$3000.00} payment, and required XXXX payments prior to completing the loan modification. I made the XXXX payments and now Wells is considering not going through with the loan modification. In plain language, they lied, and should they back out they will have committed theft ( {$9000.00} from XXXX payments ) and then they will foreclose on an upside down house for which I have been paying since 2008 and have agreed to keep on paying.
Product: Mortgage

on XX/XX/XXXX, I received a letter from XXXX serviced by XXXX indicating that i was in default on my mortgage. 
The letter stated that i owed for XXXX and XXXX XXXX and that my debited payments made were returned to me for non sufficient funds. 
On XX/XX/XXXX, I called XXXX to request an explanation as i had made these payments and no funds had been returned to my account. i also told the representative that i had sufficient funds in my account at all times. 
She instructed me to fax my bank statements to the loan servicing department to show that i had sufficient funds. 
On Monday morning XX/XX/XXXX, I obtained a print out statement from the bank showing the payments and transactions for XXXX and XXXX through the current date and faxed these to the loan servicing department at XXXX. 
I have also sent XXXX separate emails to the contact person on the initial letter that i received and have not received a single response. This person is XXXX XXXX at XXXX. 
on Monday evening, i called customer service at XXXX and the representative could not assist me or explain what was going on. I asked her to escalate this inquiry to someone who could explain what was happening. Why were my payments not being posted to my account? She said she could not explain but that she would escalate my inquiry and have someone call me back. 
on that same Monday, in order to avoid a forecloseure, I again made another additional payment that was the amount that they said I owed to be current on my mortgage. 
This payment was debited from my XXXX XXXX account in the amount of {$3400.00}. 
Today is XX/XX/XXXX, i submitted my payment for XX/XX/XXXX. 
To date, when i go online, NONE of my payments have been posted. 
i received another threatening email implying that perhaps i was undergoing a financial hardship and could not pay my bills. I am frustrated, angry and insulted by the incompetence of this company. i desperately need assistance.
Product: Credit reporting

This complaint is against Equifax for illegally reinserting negative information on my credit report. 

A couple of months ago, I started disputing some inaccurate pieces of information that were showing up on my Equifax file. One of these small details was related to a wrong reporting date on a XXXX credit card account that I felt should have been updated. 

The account number for the account is : XXXX Until recently, this account was reporting with a XXXX balance due on my credit report. After Equifax received my disputes, they started reporting a negative balance of {$1400.00} on my credit for no reason at all! For years, this account had been reporting as paid and settled with Equifax. 

Equifax has no right or reasoning to suddenly place a large balance on one of my settled accounts without any explanation. 

To facilitate the CFPB 's investigation, I am including screenshots from XXXX XX/XX/2016 credit reports that showed Equifax was reporting a " XXXX '' balance on my XXXX account. I am also including a screenshot from a recent report which shows how Equifax has suddenly inserted the {$1400.00} balance. As you can see, a large balance was placed on my credit from one report to the next. This is wrong. 

I called XXXX to see if maybe the mistake was made by them but when I called, the supervisor said the debt was so old they do n't have any information on it! This is proof that there is no balance due on the account!
Product: Credit reporting or other personal consumer reports

Section XXXX of the Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting organizations upholding fairness, impartiality, and respect for privacy. XXXX and Experian are consumer reporting companies ; I am the consumer. According to 15 USC 6801, financial institutions must respect customers ' privacy and protect their nonpublic personal information. The title " Furnisher of information to credit agencies '' defines a financial organization. 
Section 2 of 15 USC 1681 states : " In general. '' According to subsection ( c ), a consumer reporting organization may only provide a report based on the written instructions of the consumer. The banking institution and consumer reporting companies, XXXX and Experian, did not obtain my express agreement to provide this information. XXXX and Experian 's consent to provide information to credit agencies, whether spoken, nonverbal, written, or inferred, is revoked. 
15 USC 6802 ( b ) ( c ) provides : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( provider of information to credit agencies ) I was never advised of my right to nondisclosure. Not only that. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This is an unpleasant thing being reported again without my authorization which is against the law. 
According to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, individuals are prohibited from providing incorrect information about consumers to consumer reporting agencies if they have probable grounds to believe it is so. 15 U.S. Code Section 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to confine the providing of consumer reports to the reasons listed under part 1681b of this title. XXXX and Experian aren't following acceptable processes. Also According to 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am opting out of your reporting services.
Product: Debt collection

I requested a true signature contract signed. And never received one. The company sent a limited contract in name only.The company XXXX  XXXX XXXX. 
Corporate collections department XXXX XXXX XXXX XXXX 
XXXX OH XXXX