23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX XXXX called my job requesting a payment I ( XXXX XXXX ) explain to him I did n't have it at the time he then proceed to ask me about my husband acct stating that he was past due and needed a payment as well. I told him I would give him he message he said why you ca n't pay it he paid yours. I told him that 's not my loan and he should not be discussing his info with me. On XX/XX/XXXX I receive another call at from Tower Loan he said his name was XXXX demanding a payment I told him I spoke w/XXXX on yesterday and explain I want have the money till the XX/XX/XXXX. XXXX  said we need it before then I told him I understand but I do n't have the funds right now but I would try my best to get in but I know for sure I would have it on the XX/XX/XXXX. So as I promise the payment was paid by the XX/XX/XXXX. On the XX/XX/XXXX I  called Tower Loan on XXXX XXXX XXXX XXXX XXXX MS XXXX and spoke with XXXX to let him know I would be in on the XX/XX/XXXX of this mth to make a payment he then proceeding to say that is to late we need a payment by the XX/XX/XXXX and then he asked why my husband have n't paid on his acct I told him that he was inviolation of his privacy and should n't be discussing his acct with me he response was your his wife it do n't matter I told him it does matter and not to discuss his business. On the same date XXXX visited my home and left a collection letter on our vehicle and door after speaking with me on the phone earlier that day.On the XX/XX/XXXX XXXX called me at work about payment again I told him I told you I want have it till the XX/XX/XXXX he stated if you going to have It on the XX/XX/XXXX you have it now I asked him if I could call him back he said no I said I have a customer and hung the phone up customer .XXXX called my job right back and said we need that payment today I said do n't call me at work any more I am busy and hung up the phone XXXX called right back and asked an employee for the garnishment number which was given to him. Then XXXX called back again to try to speak with me and I disconnected the phone call. I have been harassed constanly on my job and my home my privacy has been violated and I have been threaten. The employees at Tower Loan XXXX XXXX XXXX XXXX XXXX MS XXXX are rude disrespectful not to mention very unprofessional .They have embarrassed me on my job with multiple calls after been asked several time not to contact me at wrk.
Product: Debt collection

I was the victim of identity theft. Someone leased an apartment in my name and was evicted by default judgment once they didnt pay. Fair Credit and Outsourcing is reporting this debt on my credit bureau reports even though the debt was the result of identity theft.
Product: Student loan

I've tried to do An income based loan with Navinet, which apparently was denied. Also, I have faxed and mailed in several hardship loan discharge forms to have loans removed/waived for student loan forgiveness, which according to Navinet,  customer service representatives, they've never received. I have been trying for years, since my university closed ( XXXX   University ) and left me with a slew of unpaid college debt, repeatedly to have some of my loans discharges, but the only situations, Navinet continues to offer is a forbearance or deferment. Which, is only causing interest on top of interest. I still don't have a XXXX XXXX XXXX, which before my university closed it's doors, I was 5 classes away from graduating. I have developed a lot of medical problems and bills, XXXX and XXXX is just the icing on the cake, stressing over how to pay my student loan debt. Now, I have two teenage sons, ages XXXX and XXXX, that I am preparing for college, which is causing more stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

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

I got a car from a company called XXXX XXXX. The car was a lease to own and could be returned at anytime. The first month with the car I was having so many issues and received an alert from onstar stating that the car had a major recall for carbon monoxide emissions. I called car today and ask them to fix it they refused so I told them I was bringing the car back. They stated that they buy cars from the auction and ca n't fix everything before they put them out on the lot. They then pull the kill switch on the car and towed it the next day. I received a letter from them saying the car was no longer my obligation and that the car was leased out to someone else. A couple of months later I checked my credit and I saw a repossession from a company called Orbit leasing Company with a XXXX balance due. I have disputed this item and they still refuse to delete it off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus.TransUnion removed account from Credit Report but XXXX and XXXX did not. ( Between XX/XX/2024 and XX/XX/2024, your XXXX XXXX XXXX account was removed from your credit report. ) XXXX XXXX XXXX Account reported XXXX separate account numbers that were also disputed and removed from only one Credit Reporting Agencies Last XXXX digits of account numbers # XXXX and # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto is reporting late notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These lates are inaccurate as my payments have been made on time every month. I made my payments online and then got a notice of confirmation. I then received a notice that payment did not go through but my bank statement said that it did. I decided it may have been a system error and continued to make my payments this way but I recently checked my credit and noticed these lates on my credit file. I made these payments on time and my bank account shows that this account was paid on time. These late are not my fault and must be removed.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Re : unverified account XXXX  XXXX Account XXXX please mail me a check in the amount of {$4000.00} Dear Consumer Relations at Experian, I have sent XXXX previous letters to you, certified mail requesting that you remove inaccurate information from my file. Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 


As per the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or deliver to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports IN GENERAL-Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Vehicle loan or lease

I co-signed for a car loan with my previous husband who I have been divorced from for 20 months. The judge overseeing the divorce awarded my ex- husband the XXXX  XXXX and the financial responsibility. The judge also ordered him to refinance the car and remove me from the original loan contract. 
I have had not contact with my ex-husband and he has not refinanced the car. He has fallen behind in payments and I have been repeatedly contacted by the finance company for payment which I can not make. 
I am a XXXX  XXXX  in the XXXX XXXX and am currently stationed at XXXX XXXX in XXXX. We have been overwhelmed the last several months. We have had a large number of personnel XXXX to XXXX  and elswhere to assist in the Covid-19 Pandemic and the reduced number of us left have been overwhelmed providing XXXX  to the military and civilian population. 
I have no way of contacting or compelling my ex-husband to make payments on the car and the continued negative reports on my credit rating serves only to cause me additional stress and threatens to damage my military career. 
It is well within the authority of United Auto Credit to release me from this debt. I have requested a compassionate release from them on two occasions and though they are aware of my situation, refuse to release me of liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, conducting business under the name " XXXX, '' included the following solicitation on the web site of XXXX XXXX XXXX " 3 Credit Scores ( Free ) - Get Your Credit 3 Bureau Score View Your Latest Credit Scores From All 3 Bureaus in Just 60 Seconds For {$0.00}! '' I believe that is an outright lie and fraud equivalent to what you alleged in the XXXX  and XXXX law suits. 

Copy of the relevant XXXX XXXX XXXX 's web page including the offending solicitation is included. 

In the late morning of XXXX XXXX, 2017, I went to the web site XXXX XXXX XXXX/ XXXX by clicking the link included in its solicitation on XXXX XXXX XXXX XXXX web site. I filled out the application for the allegedly free credit scores. The first 2 pages of the application required my name, address, social security number, birth date, where I lived when receiving social security number, answers regarding history of my residences and personal credit, email address, and establishing a user name and password for XXXX XXXX XXXX/ XXXX. When the 3rd page of the application was presented to me, it requested authorization to charge my credit card for 2 items. The 1st was a payment of {$1.00} charge for an initial 7 day free trial of a subscription program that provided the " free '' Credit Scores, which charge would be refunded by a refund request made within 7 days of the application. The 2nd was the automatic long term enrollment in the subscription program for a monthly subscription fee of {$39.00} automatically charged against by credit card unless I telephoned XXXX XXXX XXXX/XXXX in advance to cancel the subscription. I did not include the my credit card information in the application, authorize XXXX XXXX XXXX/ XXXX to place a charge against a credit card of mine or submit the application to it. THIS IS NOT " FREE '' OR " {$0.00}. '' I contacted XXXX XXXX XXXX/XXXX and informed it of my experience, I considered its practices regarding the so-called " free '' offer to be false and illegal and requested it to remove my very sensitive information from its records, including any of its data bases. The person who took my call did not agree to do this, but did not state my information would be retained, and informed me by not submitting the application my very sensitive information would not be entered in its records. I believe this as far as I can throw the organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To date, I have not received a response. 
The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I have contacted XXXX XXXX and EOS CCA. I made the request several years ago to XXXX XXXX and all of the past collection agencies claiming that I owed a debt to XXXX. I settled all of my prior debts with XXXX when I received my final bill prior to changing carriers. I 've disputed this for the past three years. 

Starting in late XXXX I began to receive letters claiming I owed this debt. I knew I did n't and waited patiently for XXXX XXXX and the pool of collection agencies to realize that. I request on numerous occasions that I receive a copy of my original last itemized bill from XXXX. XXXX XXXX nor any of the collection agencies honored my request. 

This Derogatory Public Record has cost me years of lower interest rates, possible credit and new job considerations. There should be some form of monetary restitution. Credit Bureaus and Collection Agencies must do a better job of investigating the facts before this irreversible damage is done to consumers. " This is egregious, and worse than, " Identity Theft. ''
Product: Money transfer, virtual currency, or money service

PayPal is arbitrarily and capriciously deciding to hold our law firm client retainer fees up to 21 days or more for no reason other than to harass, make money off of us, while we dont get paid and the clients dont get their contracted for legal representation. This greed makes life much harder in a tough inflationary economy for us and our clients. Please investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have failed to remove a fradulent account from my report after multiple complaints. The company that the account is from is suspicious as XXXX and wont answer my calls. The account is now " charged off '' but it hasnt been removed. Transunion and XXXX should protect the consumer instead they continue to make me deal with a XXXX company and refuse to remove it because the company claims its correct when its not. XXXX removed the account the first dispute. This is extremely anti-consumer from Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent unauthorized inquirieXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX have XXXX XXXX XXXX hands of the wrong person Under The Doctrine of Estoppel by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists XXXX calling into place XXXX TITLE XXXX XXXX CODES XXXX XXXX. XXXX Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a XXXX period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : XXXX. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
XXXX. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON XXXX DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title XXXX XXXX CODE XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : XXXX. Investigate and verify the accuracy of the debt reported. 
XXXX. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

I ask these items are deleted or I hold each credit bureau responsible and will take legal action on creditor and credit bureaus for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX XXXXXXXX WITHOUT PREJUDICE
Product: Credit reporting or other personal consumer reports

My social security number is XXXX my tran union credit report there's XXXX collections charge off accounts ending XXXX and XXXX XXXX has a balance of XXXX and other is around XXXX my complaint is that trans union XXXX to remove these collection charge off credit card it's over the state of limitations and also trash union is violating the law charge off and collections and judgment XXXX no longer supposed to report on credit report and also I have a federal trade commission report on file and also remove the XXXX credit hard inquiries unauthorized
Product: Mortgage

XX/XX/XXXX Select Portfolio Servicing Attn : Consumer Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : Old loan # XXXX, New Loan # ( Created in XXXX ) XXXX, SPS Financing, It has been brought to my attention that SPS Financing, better known as Select Portfolio Servicing Inc. held the loan and has been collecting payments from XXXX XXXX since XXXX. SPS Financing sold or transferred the loan to XXXX XXXX in XXXX. According to legal records in XXXX XXXX XXXX XXXX XXXX, the loan was authorized and was taken over by the Government State Entity called the Florida Housing Finance Corporation in XXXX. 

SPS Financing did not have the authority to sell or trade the loan, offer any modifications, or collect any payments consisting of principle, interest, and escrow. During this duration SPS Financing was not the holder of the loan. Furthermore, the loan was sold/transferred back to SPS Financing from XXXX XXXX from the years XXXX, The official records of Satisfaction Of Mortgage Note and Loan Modification states that the loan was paid off XX/XX/XXXX. 

I am requesting : ALL PAYMENTS INCLUDING PRINCIPAL, INTEREST, AND ESCROW THAT WAS COLLECTED FOR THE YEARS, XXXX XXXX, XXXX BE REIMBURSED BACK TO ME WITHIN 30 BUSINESS DAYS OF THIS LETTER. 

In closing, there will be a complaint filed to CFPB for further investigation into this matter. Also attached to this letter is the legal document Satisfaction Of Mortgage Note And Loan Modification. 

ID FOR COMPLAINT SENT TO SPS FINANCING XXXX FILED XX/XX/XXXX Please Govern Yourselves Accordingly, XXXX XXXX
Product: Mortgage

I can no longer afford to pay for my mortgage Am trying to do a short sale on the home I am told there is a fair offer on the table for the home it needs a lot of work and is not live able for my daughter who keeps getting sick here i am sending you the Estimates needed on the home to show this is the only and more than fair offer on the home.
Product: Student loan

I called Nelnet about a month and a half ago after I had submitted my consolidation application along with the IBR application to move one remaining loan to the SAVE plan. I was told it was pending and everything was fine. I am now calling today XX/XX/20 regarding status as its been another month since that call and they just keep telling me its pending. I am going to lose out on benefits under the SAVE plan like credit for payments, interest accrual waived, etc. I also am going to be expecting to pay on this loan despite all my other loans being in SAVE. I have been patient and its taking way too long.
Product: Credit reporting 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$170000.00}
Product: Credit card or prepaid card

THEY ARE REMOVING LATE PAYMENTS ON MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX of this year I had transferred XXXX dollars into my savings and had XXXX dollars into my cash balance on my Cashapp account, $ diorchillout. As I transferred the money from my savings into my cash balance, it had worked. As soon as I tried to send XXXX dollars to another account $ XXXX, it would take me to link an external debit card without giving me another option and I could not send out any money after.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major bureau 's never gave me complete disclosure of any debt verification, like actual proof or any signed agreement i ask for in my disputes with Transunion, XXXX and XXXX as they are to keep records on file to verify the debt. My dispute process was started on the on XXXX 2020 by certified mail and recieved on the XXXX of XXXX 2020 i feel that 3 major bureau 's never really verified any of these disputes ... just say that they did XXXX being the better of the 3 in notification.This complaint is my next step in the process of correcting these inaccurate items 6 in total on my reports.