23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX To whom it may concern, I XXXX XXXX XXXX tried negotiating a fair price with Mr. XXXX from the XXXX XXXX XXXX XXXX It was he that told me that the only way they would let me pay a monthly {$150.00} payment, would be that they are going after the full {$9200.00}. Yes! Mr. XXXX said XXXX his own words over the telephone verbally. I know my rights and I know bill collectors are supposed to work with their clients. I told Mr. XXXX what XXXX can afford and I would try. My rent will be going up an additional {$270.00} per month starting XX/XX/XXXX. My rent will go up from {$1800.00} to {$2100.00}. the rent is split two ways. My student loan will also be paid on XX/XX/XXXX. What do you expect me to do when a bill collector is coming after {$250.00} a month. When they bought the account from XXXX XXXX XXXX, the account was still {$9200.00} and not {$10000.00} or {$13000.00}. Where are these debt collectors getting these figures? For, they did not pay {$9200.00}, {$10000.00}, or {$13.00}, XXXX for this debt which was sold by XXXX XXXX. It read in the closing portion that the statement was false. No! If a debt collector expresses to me what he expects and if I do not agree to what he wants, he needs to send me something in writing. 
I have a signed document of the new lease agreement starting on XX/XX/XXXX, my lease agreement will be going up to {$270.00} more a month. 
The XXXX XXXX XXXX Account Members don't have any compassion or respect for those who are in need. The statement when talking to Mr. XXXX was not false and Yes! I talked with him about reducing the payment. he replied, the only way that XXXX would accept a {$150.00} a month payment, they are to go after the total {$10000.00} dollars. What is it that you can not help me settle the problem I am having with XXXX XXXX XXXX wanting the entire {$9200.00} owed on the account? How is it on my XXXX Account, this debt is paid off and no payment is due? 
Around XX/XX/XXXX, or before, I signed up for XXXX XXXX, that I may get some help with the negotiating price/mediation. One of the lawyers from Legal Shield from the LAW FIRM OF : XXXX XXXX XXXX XXXX, LAW FIRM PHONE NUMBER IS XXXX. Tried to negotiate a fair price with the XXXX XXXX, but they did not accept it. I did not retain them because I do not have a 10 % retaining fee from the {$9200.00} fee. Again, Sir or Ma'am, my word is my bond and what Mr. XXXX relayed to me, this is what I am relaying to you. Can you please check my credit report and see that it is noted that this debt is PAID!!! Why are debt collectors coming after a debt that they only paid pennies on a dollar? 

XXXX XXXX XXXX ( XXXX ) XXXX
Product: Student loan

I am filing a complaint for falsification of NEW information for the direct intent to upset and annoy me. This is classified as the definition of harassment. 

Anyone who places calls to deliberately upset, annoy or threaten the victim may be guilty of phone harassment, which is a form of bullying. Phone harassment may be a one-time call or a series of calls. 

I kindly made an outbound call TO Navient on XX/XX/2022 at XXXX, lasting XXXX XXXX, XXXX. The Purpose of the call was to ( 1 ) return Navients Representative XXXX phone call from XXXX and ( XXXX ) to clear up XXXX emails that I received from Navient that were in direct conflict with each other. 

Again, I kindly tried to work out miscommunications with Navient, however, I received additional, new conflicting information, from Navient Representative XXXX XXXX. She has been with Navient for five years. The information she relayed to me didnt even match the Navient emails, or, my approved IDR from studentaid.gov from XX/XX/2022. 

This was the new information that was verbally stated, although, I have spoke to Navient verbally numerous times in XXXX  I, XXXX XXXX XXXX, have never heard a Navient Representative tell me the following information. 

[ XXXX XXXX stated, XXXX we emailed you in XX/XX/2022, however, you failed to respond to renew your IDR. XXXX, your IDR is not active because, you, XXXX, failed to recertify. ] Why would I recertify in XX/XX/2022, when I have an already approved XXXX from XX/XX/2022? I uploaded XXXX the complimentary copy of the approval XXXX from XX/XX/2022 to XX/XX/2022 into my logged into Navient account, with system confirmations. 

The following information was received by Navient and is confusing. I uploaded real facts, the actual emails, into my complaint. 

I realize I have several loans. All my private loans are paid off. My educational loans are with another lender. I only have federal loans with Navient at this point, or should. 

[ Received XX/XX/2022 by XXXX XXXX  navient.com Total Payment Due for XX/XX/2022 is {$0.00} ] Received XX/XX/2022 by XXXX XXXX navientXXXX  Total Payment Due for {$210.00} on XX/XX/2022. ] [ Received XX/XX/2022 by XXXX XXXX Navient Received Payment, But ] [ Verbal Communications by XXXX XXXX We need to set up another payment option. You never recertified your IDR in XX/XX/2022 ( although, I already did in XX/XX/2022. ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX XXXX balance of what they were sueing us for they report we still owe {$460.00}, after giving XXXX XXXX for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX and XXXX XXXX XXXX home office to no avail. This is still being reported on our credit files erroneously since XXXX I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please help
Product: Credit card

I have had a Bank of America credit card for about 8 years, and the minimum payment used to be around {$45.00}. Over the years, every time I used the card the minimum payment went up, and by XXXX the minimum payment was {$220.00}. Unfortunately, my mother-in-law died on XXXX XXXX, which was the date on which my credit card payment was due. I missed the date by four days, and made a payment of {$320.00}. Then I received a bill for a minimum payment of {$460.00}. I think that this Bank of America financial policy is abusive, fraudulent, and illegal. Can you please do something to help me?
Product: Mortgage

Closed on my property in XXXX XXXX Florida. on XX/XX/XXXX. Taxes were due to be paid to county in XXXX. Large amount was accounted for taxes on closing statement. Escrow set up with mortgage company. I just found out XX/XX/XXXX that mortgage company did not pay XXXX taxes. What was {$5700.00} is now {$6500.00} past due and a tax certificate was issued and sold. I contacted realtor and closing office and both said mortgage company should have paid. I have reached out to Mr. Cooper several times and they have current tax bill and situation. I asked customer service today XX/XX/XXXX what was status and was told all they can see is the XXXX bill coming due in XXXX. I need XXXX paid TO INCLUDE all interest and penalty.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TRANSUNION LLC Consumer Dispute Center credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX - {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXXXXXX XXXX  XXXX - XXXX - {$1400.00} XXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  - XXXX - {$370.00} XXXX XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX XXXX {$700.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$530.00} XXXX XXXX XXXX - {$0.00} XXXX  - XXXX - {$380.00} XXXX - XXXX - {$720.00} XXXX - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion XXXX XXXX about errors they have on my credit report. They have refused to fix these errors and this is badly affect my ability to obtain credit.
Product: Vehicle loan or lease

I was misled by sales representative and finance agreement. I signed documents stating total of vehicle would be including add ons and it turns out that the vehicle did not have any add on. Sales rep stated the XXXX Of vehicle was XXXX and XXXX of add ons made vehicle XXXX. It turns out add ons werent added into price that I signed. Im purchasing a high priced item and sales rep did not mention were those XXXX would be allocated to. I spoke with general manager at XXXX of XXXX today and he said there was nothing I could do. I will be calling Toyota financial services.
Product: Vehicle loan or lease

Exeter In response to your letter on XX/XX/XXXX stating you mail me a letter in which I never received. As to mailing you and calling you before you took my car to pay the full payment that was behind. I had explain that the health Care company I work for had payment issues with my salary at the time was XXXX and having me holding checks and causing me issues with my bills. Its on record with the state department of labor and industries. 
Exeter stated they mail me in which they mailed it to the wrong address as well I have attach letter showing the wrong address as well as a copy of the insurance by progressive showing my address on record to Exeter. It shows Exeter as the lien holder and proves they no my address. I also have the statements each month they mail to me with the right address. When I was trying to pay Exeter they would not accept the payment. 
Exeter never mailed me nothing to the sale of the Vehicle. Exeter also sold the Vehicle with mailing me nothing of the sale. No attempts after they took it for me to pay the rears that was due. 
Exeter also played the mail it to an old address in which was updated at the post office in the post office. And Exeter also mailed me on XX/XX/XXXX saying they transfer it to XXXX XXXX XXXX. Date of notice was on the letter in which I have attach shows XX/XX/XXXX but look at the transfer date is XX/XX/XXXX but my notice XX/XX/XXXX Exeter also never responded it was we working on it. This company does not respond and give the consumer the run around. 
I have attach all documents for proof. I want this removed from my credit file. Exeter was reporting the original balance after they sold it every month doing major damage to my credit file. There was no original amount after they sold the Vehicle. Also Exeter was saying one amount and ran up fees. As to there response there is no deficiency that they responded back from the CFPB I have also considering filing suit on Exeter if the matter is not resolved due to the errors and the proof I have on record on Exeter
Product: Money transfer, virtual currency, or money service

They did not warn that a hold would happen during the transaction and as soon I clicked send it put a hold for a week, then the date changed to later and then they did not deliver on the promised date. I have not received my {$1000.00} yet
Product: Credit reporting, credit repair services, or other personal consumer reports

2. XXXX/New American - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This letter serves as my final and definitive communication to your noncompliant organization before I initiate legal proceedings against all responsible parties. Let me remind you that threatening legal action without intent to follow through constitutes a serious offense. Rest assured, I fully intend to protect my rights as a consumer and will proceed accordingly if this matter is not resolved promptly. 

I have repeatedly contacted your company, submitting numerous formal requests for an investigation into a series of inquiries that I firmly believe have been reported erroneously. Your continued failure to respond or take action constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable and will not be tolerated. 

However, in the interest of resolving this matter without escalating to litigation, I am providing one final opportunity to address my concerns. I have made several attempts to directly contact the companies responsible for these inquiries using the contact information listed on my credit report. However, my efforts have been met with the following obstacles : A significant number of the listed phone numbers are incorrect or invalid. 
For the companies I was able to reach, none have any record of my existence within their systems. If these entities lack records of me, it raises a critical question : What permissible business purpose could they possibly have to access my credit file? Below, I have listed the inquiries in question, which require immediate and thorough investigation in accordance with the provisions of the FCRA : XXXX Inquired on XXXX XXXX, 2024, XXXX Inquired on XX/XX/year>, XXXX Inquired on XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with TD AUTO FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX and TD AUTO FINANCE with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

Three transactions were made on my account and I opened a dispute with XXXX. I then had to dispute with Navy Federal Credit Union. They claimed they were conducting an investigation. That did not happen and they denied it. XXXX also denied assisting. I provided screenshots and proof and they did not listen. I also tried to call and report the Navy Federal employees who I initially spoke with in XXXX who did not listen to a word I said on the call and opened up this major situation after I SPECIFICALLY told them I needed to call back. Then when I tried to call and report that situation I was given the run-around and could not get anywhere.
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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: Mortgage

My loan number is XXXX. I filed a complaint with office of the comptroller of the currency, YOU, and now my account manager explicitly told me that he will not talk to me and have closed my file due the complaint I have filed. Looks like I am being punished for enrolling your assistance in this matter. Now, as a result of your help, no one at the bank is talking to me, giving me any status. They are now moving toward foreclosing my property without a review. The sale date is set for XXXX am trying to get a modification thru my lander. My loan was/is a FHA loan. I qualify for FHA-HAMP. However, in the middle of review my bank XXXX XXXX XXXX XXXX ) transferred the loan to BSI financial. BSI stopped all review and is now telling me that my loan has been transferred to an investor who is not participating in hamp program. How can they change things in the middle of a review and suddenly my loan goes from being qualified to XXXX to not being qualified for XXXX? Does n't that seem like an underhanded thing to do? The internal change in the status of the loan and investor seems like a fraud and unfair. Can they legally do that and foreclose on my home? Could you not do anything about it? 

My servicer is participating in hamp program. As per per treasury guidelines, XXXX XXXX. XXXX XXXX, XXXX XXXX that a reasonable efforts are required by XXXX participating servicer to reach out to a investor for an override or a waver. Under XXXX XXXX. Dir. XXXX, effective XXXX XXXX, XX/XX/XXXX, the servicer must write to the investor requesting a waiver at least once. THEY HAVE NOT DONE THIS. I have asked for this over and over and over again and they have simply told me to go away, short sale the property or they will foreclose. 

In addition, I sent out a RESPA, QWR, to them on XXXX XXXX, XX/XX/XXXX They have completely ignored my RESPA request. The RESPA guidelines are very clear on how the lender must handle the request and timelines. BSI financial is ignoring all those guidelines. It seems that they are slapping us in the face, thumbing their nose at your agency, treasury department and intentionally. As if they they are counting on me, a helpless consumer, not being able to do anything since I do not have resources to match their deep pockets. 

I am hoping that you, a governmental agency who supposed to help us helpless people, is able to do something about it. I would like your help in stopping this bullying by BSI financials and help us stay in our home. We have the income to qualify for a modification and most certainly my FHA loan qualified for FHA-HAMP modification. PLEASE, PLEASE HELP MY FAMILY. AFTER WE FILED A COMPLAINT WITH YOUR DEPARTMENT, BSI FINANCIAL STARTED TO BULLY US AND BECAME MORE ABUSIVE. We do not know who to turn to or what to do. 

We are begging for your help in stoping this abuse and bullying.
Product: Credit reporting or other personal consumer reports

I am a natural person, a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of time, I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX  Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I spotted some unauthorized and fraudulent inquiries on my credit report.
Product: Mortgage

Fay Servicing started paying my property taxes in XX/XX/2022 and when I called several times in XXXX and XXXX and asked why Fay all of the sudden started paying my property taxes ( after 16 years of me reliably paying them on my own ), I was told by their customer service representatives XXXX XXXX, XXXX XXXX, and several other representatives that Fay Servicing had received a delinquency notice from XXXX XXXX XXXX XXXX XXXX that asked Fay to pay my taxes. I asked every one of these customer service representatives to send me a copy of this letter/notice claiming I was delinquent. 
I followed up with this request several times in writing on XX/XX/2022, XX/XX/2022, as well as XX/XX/2022, however, I have not received a copy of the notice/letter Fay claimed to have received from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX other taxing authority.
Product: Vehicle loan or lease

I disputed balance and payment history with flagship credit acceptance, and also through XXXX disputed. In XXXX XXXX XXXX XXXX, there has been no movement on my credit report since last year
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY LISTED BELOW IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still hasn't responded to my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to the non-compliance with the CRA Experian. They have failed to remove information that Was affiliated with personal details That were Challenged in the past. I Strongly believe that they are in Violation Of the FCRA And are outright refusing to uphold the law.
Product: Payday loan, title loan, or personal loan

A XXXX employee filled out an incorrect telephone when they created an XXXX loan on a tablet. I was unaware because there existed no paperwork, etc. and was purchasing a XXXX contract, not an XXXX loan. At some point in 2021 I needed a new credit card due to theft, and it should be noted the bank I use permits charges from previous business. Long story short, XXXX was charging my old card for a year up until they [ presumably ] made a system change in XXXX and the old card no longer worked. XXXX did ( to their credit ) call the incorrectly entered phone after some number of failed charge attempts due to the closed card. The number in their system was for my fianc and she ignores spam calls. I found out about the issue when my credit dropped XXXX points and am certain XXXXXXXX has systemic issues after looking into them on XXXX and other consumer protection sites. I immediately called and brought the account current with a new card.