23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the following information Regarding XXXX XXXX company which send me to collection for ' {$170.00} the company name is Receivables Performance Management which is showing on my credit report and I disputed with XXXX, I send documents to proof I pay My last XXXX bill. 

I never was notified by Receivables Performance Management in writing that thy are collecting on behalf of XXXX, I found out that when I run My credit report the was a collection for {$170.00}, I try to resolve this charge with XXXX prior to this, I spoke with Coustomer service Of XXXX, Many times, and Told me that my credit card company XXXX XXXX had paid the bill for {$110.00} for he last payment, since I switched Cellular Provider, I was not on a contract with XXXX XXXX I was paying month to month an I was with them For two years, I never skipped payments, I had them on Automatic withdraw out my Credit Card every Month. I was keeping tell them that they got pay by my credit card company, I told them to update the record, I send documents, such as payment supporting my position.
Product: Credit reporting

IN RESPONSE TO EXPERIAN 'S PARTIAL RESPONSE TO MY COMPLAINT # XXXX - THEIR RESPONSE IS TOTALLY INADEQUATE AND MOVES ME ONE STEP FURTHER TO FILING A LAW SUIT AGAINST THEM AND TO GOING TO THE MEDIA ABOUT THEM AND THE INSTITUTIONALIZATION AND COLLUSION OF THE CREDIT REPORTING INDUSTRY. THIS IS THEIR LAST WARNING. THEY CLAIM THE ADDRESS I SUBMITTED IS NOT ASSOCIATED WITH MY EXPERIAN CREDIT RECORDS. THAT IS A TOTAL AND INTENTIONAL LIE- I JUST PULLED MY FREE ANNUAL CREDIT REPORT AND IT IS EXACTLY (! ) THE SAME ADDRESS AS IS ON THEIR REPORT. THEY WILL BE SUED WITHIN 30 DAYS IF MY ORIGINAL COMPLAINT # XXXX IS NOT RESOLVED TO MY SATISFACTION.
Product: Credit card

On XX/XX/year>, I called the Navy Federal Credit Bureau to ask about the process for redeeming rewards points on my XXXX XXXX XXXX XXXX and asked about potentially closing the card and opening a separate cash-back card. The representative misunderstood my request and cancelled the credit card. The representative immediately said that " since this was Navy Federal 's mistake, [ we will take care of it ] '' and transferred me to another line. I called again on XX/XX/XXXX, to see how the process for reactivating the card was going, and was told that a supervisor had reviewed the call and determined that I did request the credit card be closed. I asked for a copy of the transcript that they were using as evidence, and the representative told me they would only provide the copy if they were subpoenaed. As a result of this my XXXX rewards points on this card were redeemed for {$450.00} of statement credit, and my XXXX score has dropped significantly because I have owned this credit card for almost a decade and now I don't have a credit history longer than a year.
Product: Mortgage

I have tried to get on a forbearance or a repayment and the mortgage company wont do it. I called to pay back money when I was late and they told me it was going to foreclose on me told me I couldnt pay unless all money was paid up front. 6 month later they told me all I had to do was pay the back payment which was was way higher now. So they lied to me about paying just back payments. Spoke to several people in this 6 month period. Filed a complaint before they said they would work with me and now after compliant filed closed they wont help me still second lie being told by mortgage again. I just need a repayment plan to get my mortgage back on track after I lost my job and covid hitting
Product: Credit reporting or other personal consumer reports

On about XXXX XXXX XXXX, I informed XXXX XXXX and credit reporting agencies I wasn't late under 15 USC 1666b and 15 USC 1637. They have ignored my request and keep blemishing my credit files. Also keep adding fraudulent inquiries on my credit files as well.
Product: Student loan

I go to make a payment to MOHELA for Federal Parent PLUS loans on XX/XX/year>. I have XXXX loans, so specify payment amounts to each, starting with the higher interest rate loan. I allocated my payments ( XXXX to the XXXX XXXX XXXX  to the XXXX % loan ) and then I see a new " billing directions '' selection pop up ( see attached ). 

Their wording is very convoluted, and seems to me a way to confuse the borrower and burn their cash on interest instead of paying down principal, as most who make an overpayment would intend. I'm not sure why I would want to pay interest ahead of time, it hasn't accrued yet! If I'm making a payment OVER the monthly amount, that should ALWAYS go to paying down principal. 

I may be biased against MOHELA, but regardless, there is no way that's a clear and transparent explanation of the options. If the borrower can't understand what their provider is telling them and chooses an option that goes against their intentions, they are harmed. MOHELA is not being clear and transparent with their borrowers.
Product: Debt collection

A company called " Southwest Credit '' recently sent me a letter, dated XX/XX/XXXX, claiming to have been authorized by XXXX to collect {$270.00} from me for a " debt owed. '' ( I closed my XXXX account and paid the balance in full about 4 or 5 years ago so I could change my cell phone service to XXXX XXXX XXXX ) In the letter, Southwest stated that they would settle for 45 % of that amount. They stated that I needed to respond within 30 days. I did not respond. On XX/XX/XXXX, they put collection accounts on my XXXX and XXXX credit reports, lowering my credit scores drastically. This is the fourth time I've had to contact the credit bureaus to dispute and remove this false, fraudulent charge from my credit reports -- each time placed by a different fraudulent " collection '' company, and each time for the same false charge. When I called XXXX, they said that I do not owe them anything, that my account was paid in full, and that they have never heard of Southwest or the other companies that have tried to collect this false, fraudulent charge. XXXX told me on XX/XX/XXXX that they see in my file that I have disputed and removed this fraudulent collection account a few times before, and that they have already verified before with XXXX  that my account balance is {$0.00}, paid in full. I disputed the charge with XXXX and XXXX and am awaiting the results -- again! In my opinion, what these dishonest " collection '' companies are doing is extortion, and they are criminals. I need your help to prevent them from selling this phony charge to another company who will try it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that the account keeps reporting on my credit I have asked numerous times for the credit bureaus to verify this debt in accordance FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 

The credit or credit reporting agency is unable to provide this information so I am not certain why this account with out account history keeps reporting. 

XXXX XXXX This account has no address, no phone number how did they verify this debt?
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these items with incorrect information and after checking your responses, I recognized that the same items are still incorrect, with a confirmed status. Please correct the following items listed below : 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: Mortgage

In XXXX XXXX XXXXXXXX while attempting to buy a replacement truck, I was turned down. The reason was Select Portfolio Services ( SPS ) was showing I was late for XXXX XXXX XXXX in a row. This I had thought was remedied and was to be removed from my credit report. The reason for the XXXX missed payment was XXXX. When the mortgage was originally signed I was allowed to make XXXX XXXX   payments. This in XXXX would make XXXX XXXX payments. SPS becomes the servicing agent for XXXX the now mortgage holder and they do not allow partial or XXXX XXXX payments. 

About XXXXXXXX XXXX XXXXXXXX I missed A payment because of having to stay at home because XXXX XXXX  was sick and then latter in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SPS became relentless calling XXXX times a XXXX well into the XXXX and some as early as XXXX. They used several different phone numbers so I just stopped answering the phone all together. 

There was nothing at the time I could do and they knew it because I called them after I missed the XXXX payment. I took out money from my retirement account to get current with SPS and they agreed to remove the negative remarks. In XXXX I was finally able to purchase a much needed truck. They had removed all the negative remarks. 

In XXXX ( approx ) of XXXX SPS failed to deposit a check for 18 days after they received it. They again marked me late for XXXX. Even though they were sitting on the money. In XXXX they again marked it late because I sent in the XXXX  payment for half of the amount and then the XXXX. Apparently it was less than {$50.00} off the full payment. An honest unintentional mistake because I misread the statement. I got the a very rude Customer Service rep who basically told me it was my fault and I need to make full payments instead of XXXX XXXX payments. I was unaware they again reported this to any credit bureau until later on when I had had enough and wanted to refi the house. Nope EVERYTHING was back on the report. Even the past ones which were removed are back on my credit report. 
SPS engages in deplorable tactics by XXXX  those whom it is hired to serve. Constant phone calls, letters threatening foreclosure, people coming on to my property and taking pictures of the house and vehicles in or around XXXX XXXX. The only reason I can think of for this mean spirited practice and putting everything back on my credit report is XXXX! I can not refi the house when they hold checks for XXXX XXXX then make negative reports to the credit bureaus. Even the Statements they provide are near impossible to determine what is going on. To make it even worse without my consent they stopped mailing statements. I am not a fan of online e-Bills or giving anyone access to my accounts.
Product: Credit card

I was charged a late fee based on interest when I thought the credit card for Maurices with Comenity bank was paid in full. Then they charged a late fee. I thought I then paid all of that and I didnt so another late fee was charged. I called and asked for the remaining to be waived of only {$34.00} the automated system waived {$15.00}. So I need {$19.00} waived. They have stated my account is now closed and they can not remove fees from a closed account. They are charging me a late fee from a late fee.
Product: Credit reporting or other personal consumer reports

Dispute and Request to Update Personal Information Dear XXXX, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX. I request that my new employer, be updated.
Product: Debt collection

The debt collector is XXXX XXXX XXXX and the amount is {$600.00}. The original creditor, who is XXXX XXXX, sold this account to the debt collector. This account was placed on my account, but it is not my account. This account is a result of identity theft as well as fraud. I have requested proof of ownership as well as a signed purchase agreement from the creditor on numerous occasions and they have yet to supply me with that information. This is not my account, and I have no knowledge or association with this debt, and it is impacting my home buying process. 
I am also requesting that the XXXX XXXX XXXX XXXX account that is listed as a charge off with the account number of # XXXX and the amount of {$270.00} be removed because this account was paid and settled in XXXX of 2024.
Product: Credit reporting or other personal consumer reports

Recently, I submitted my dispute letter to your company via mail addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act. 

-- -- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX as XXXX XXXX has repeatedly reported incorrect credit reporting on all XXXX bureaus about my credit with them. From XXXX to XXXX this account was under investigation, constant dispute with payments and I currently have an active civil case with this company. All credit reporting should be " XXXX  '' they reported 120 days late in XXXX and XXXX incorrect as they received {$3500.00} payments for months XXXX, XXXX, XXXX and I have reported as incorrect and disputed it, all other months bear XXXX  as shown. 

Company should correct this my score went from XXXX to XXXX and now XXXX very low. There was no late payments EVER, payment was made as agreed under loan modification partial payment as agreed. Why is XXXX, XXXX, XXXX, XXXX reported as XXXX  and just XXXX and XXXX reported as 120 days late each month incorrect! This company does not do anything with fiduciary duty in mind very vindictive company. Please correct remove all late payments from all XXXX credit bureaus as information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX
Product: Prepaid card

Chime account link to my cash app account and took my money
Product: Mortgage

Quick Loans/Rocket Mortgage - I refinanced with them in XXXX 2019. They had presented to me payment numbers which lowered my monthly payment to {$2600.00} from XXXX. Saving me {$400.00} every month. I planned my finances around that and agreed to refinance with them. After 2 months, they said my payment was going up to {$3000.00} since the property taxes had and home insurance had increased. BUT the home insurance had gone up by only a couple of hundred dollars and the property taxes HAD NOT gone up. 
I complained and they said that they made a mistake. The bottom line was they engaged a third party to give them property tax information, which is publicly available. This process enabled them to artificially lower the monthly payment so I would refinance. If they had presented me numbers which showed a saving of {$40.00} per month, I would not have refinanced. They agreed to spread the escrow payment over 2 years BUT after that the mortgage would still be more than {$2800.00} per month. 
Even though the property tax and insurance are my responsibility, everything indicates that this company engaged in malpractice, presented higher savings ( even though that was not correct ) to get a customer. There should be a federal investigation into their practices and find out how many more customers are in the same boat. I am sure there will be many more - a mortgage company just does not make the mistake of miscalculating a mortgage.
Product: Debt collection

On XX/XX/XXXX of XXXX I went to XXXX XXXX XXXX XXXX located in XXXX, Georgia due to a XXXX  accident that happened on XX/XX/XXXX of XXXX. When I attempted to give them my health insurance they would not take it due to the fact I was in a XXXX  accident, instead they gave my pamphlets on " how to cope after a XXXX accident ''. On XX/XX/XXXX of XXXX I contacted a lawyer ( XXXX XXXX XXXX ) so they could create a case on this issue and I gave them the information to XXXX XXXX XXXX. Instead of XXXX acknowledging this and speaking with my lawyer, they constantly harassed me about my medical bill I had with them while I was still receiving treatment for my injuries. I also requested for them to speak about this issue of my medical bill to my lawyer which they did not instead they continued to harass me. On XX/XX/XXXX of XXXX I received a letter from Medical Revenue Service stating that I owed a debt to XXXX XXXX XXXX XXXX, where I only have until XX/XX/XXXX to respond. I feel like this needs to be investigated since I am still in the process of closing my case from my XXXX accident and they will not reach out to my lawyer both XXXX XXXX XXXX XXXX and Medical Revenue Service continue to harass me.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX many years ago and paid it off. XXXX decide to sent it for collection but the account was paid off already. I request Equifax to deleted this account from my file. This is hurting my positive credit score. Plus this account belongs to my ex wife. Another issue is that this account is been updated every year with different amount and is appear double account in all the credit bureau. Which is violating the fair credit reporting act.
Product: Money transfer, virtual currency, or money service

My paypal account can not be linked to the bank and withdraw cash. I have contacted PayPal customer service many times and the problem has not been resolved. Please CFBP help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry XXXX XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}