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

I acquired a mortgage with JG Wentworth XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX acquired my loan and instructed me to make payments to XXXX XXXX beginning XX/XX/XXXX. My payment was made to XXXX XXXX on XX/XX/XXXX and processed by my financial institution on XX/XX/XXXX. 

In XX/XX/XXXX I applied for a refinance and was denied because JG Wentworth placed derogatory credit information with XXXX XXXX. My credit reflected late payments of 60+ days for erroneously reported missed payments for XX/XX/XXXX. In an attempt to rectify the information, since the payments were no longer due to JG Wentworth during the time reported to XXXX, I found that JG Wentworth was no longer servicing mortgages and did not have contact information to dispute any information presented to the credit bureaus. The phone number listed on my credit report XXXX XXXX XXXX XXXX is no longer in service. My only resolve was to file a dispute with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX XXXX  returned the investigation results and verified the disputed information as accurate, denying my dispute. In addition, XXXX updated the information on my credit report, pertaining to JG Wentworth account, to reflect a Pay Status as 'Account 60 Days Past Due Date ' for the payments due XX/XX/XXXX and XX/XX/XXXX. The additional details were not only inaccurate but severely damaging my credit score. 

Upon contacting XXXX XXXX disputes department by telephone on XX/XX/XXXX, I was informed that all information was verified by the creditor electronically and they could not make further changes. They instructed me to call the phone number on my credit report. This phone number to JG Wentworth is not in service.

JG Wentworth 's erroneous reporting of my credit information has caused me to miss out on refinancing offers that would have benefited my family and I financially. Further damage was caused when JG Wentworth increased the amount of months reported past due to XXXX XXXX. My credit score has  substantially dropped due to the additional false information. I am now below 700 and can not acquire mortgage products.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX and XXXX XXXX is still reporting data that past I past due on my credit report.The accounts are closed and past the statute of limitation.Information was submitted to XXXX XXXX to remove the information off my rercord.
Product: Debt collection

Dates of repeated phone calls : XX/XX/XXXX XXXX XXXX XXXX, XXXX of 2022 XXXX XXXX, XXXX, and XXXX of 2022 XX/XX/XXXX, XXXX 2022 XX/XX/XXXX, XXXX This account was involved in litigation and they are still harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.
Product: Mortgage

I was holder of a foreclosed junior lien on a home. The senior lien held by Mr. Cooper ( aka Nationstar ) was in the foreclosure process with a redemption date of XXXX XXXX, 2023. When the previous homeowners did not redeem from me for my lien I contacted Mr. Cooper XX/XX/2023 to work on financing the home through them. I talked with XXXX XXXX and I made it clear of the redemption date. I was then transferred to the refinance department where I was working through the refinance with XXXX XXXX and his supervisor XXXX XXXX. I continued to bring up the redemption date as Mr. Coopers underwriter continued to stall the refinance with demands that I complete work on the home. XXXX XXXX informed me over the phone and in email that the home was not in foreclosure and all I needed was to complete the refinance. 
Needless to say on XX/XX/2023 I received a letter that I missed the redemption date and I lost all rights to the home. I called XXXX XXXX and XXXX XXXX and was told that it was my fault for missing the redemption date and because I no longer had rights to the home they were canceling my refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 disputes and I am trying to provide documentation to Equifax and they DO NOT ALLOW me to submit this document. NO ONE SPEAKS ENGLISH and you can not understand one person on the phone. I just want to provide the document so my credit report is accurate and the update is taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/XXXX regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Portfolio Recovery, a third-party debt collector that is currently reporting a debt on my credit report. Despite my request for a validation letter to confirm the legitimacy of this debt, they have failed to provide the necessary information. 

I am particularly concerned about the following issues : Lack of Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, including the name of the original creditor and proof of their legal authority to collect on this debt. Portfolio Recovery has not complied with my request, leaving me with no clarity regarding the validity of this debt. 

Unknown Origin of Debt : I do not have any information about the original debtor, which raises questions about the legitimacy of the claim against me. The inability to identify the source of this debt further complicates my ability to respond appropriately.

Impact on Credit Report : The presence of this unresolved debt on my credit report is negatively impacting my credit score and overall financial standing. Without the proper documentation to validate this debt, I believe it is unjust to have it reflected on my report. 

Given these circumstances, I kindly request that the CFPB take immediate action to investigate Portfolio Recoverys practices regarding this debt. I am requesting that they be compelled to provide the validation letter I requested, or alternatively, that this debt be removed from my credit report due to their failure to comply with my request. 

I appreciate your attention to this serious matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX Bank that they are inaccurately reporting that I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Product: Debt collection

I am in the process of filing Chapter XXXX bankruptcy - however, I received a notice via email from Paypal Credit that stated " If you are going to receive a tax refund check, please consider paying PayPal Credit. '' This should be considered deceptive collection means under the FDCPA, as it is insinuating that funds refunded by the government should be used to pay a debt, which the creditor can not request. If the creditor continues their harassment I will have no choice but to seek suit ( possible class action ) against them for attempt of collections by unconscionable means.
Product: Credit reporting or other personal consumer reports

hello I am filing to formally lodge a complaint against [ Agency of credit control ] acct # XXXX regarding their handling of a debt that they have claimed as a loss on their taxes but continues to report on my credit report. This situation raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 U.S.C. 1681s-2, a furnisher of information, such as a collection agency, is required to provide accurate information to credit reporting agencies. Additionally, 1681i mandates that consumers have the right to dispute inaccurate information on their credit reports. 

In this instance, the collection agency reported a debt that they have classified as a " loss '' for tax purposes. This classification suggests that they have written off the debt, which raises questions about the legitimacy of their ongoing reporting of this account on my credit report. The continued presence of this account is not only misleading but also detrimental to my creditworthiness. 

I have attempted to resolve this issue directly with [ Agency of credit control ] but have not received a satisfactory response. I also requested a copy of schedule c again no response Therefore, I am reaching out to the CFPB for assistance in enforcing my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a torrid credit card with commenity bank. Although I've been making on time payments and dropped my usage significantly on my account, they have no reported any of it to the credit bureaus. The high usage is no longer correct and is affecting my score when I'm trying to get approval for a home loan. It's been over 4 months since the last time the updated my account. I won't get any clear answers from the bank
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

there are multiple accounts that are supposed to be closed i contacted them all and explained thoes items that i disputed are not mine and needs to be removed and the accounts are supposed to be closed but are still open also
Product: Checking or savings account

Hello, Iam seeing that capital one is being sued for lying to customers regarding a cd account and stole a lot of interest fees. I had an account mentioned in the suing process and would like to know know how to get compensated back. I have evidence of the account I had what is the process to proceed? can someone please call me XXXX
Product: Debt collection

This letter is a reply to your letter in response to my letter that you mailed I disputed the alleged debt that RESURGENT CAPITAL SERVICES is attempting to collect I additionally requested verification of the alleged Debt pursuant to be my right under the ( FDCPA ) I am within my rights of a verification request under the ( FDCPA ) .I requested a copy of a signed contract with XXXX XXXX XXXX and RESURGENT CAPITAL SERVICES I also requested that you cease and desist all collection activities including credit reporting agencies. I request that RESURGENT CAPITAL SERVICES delete any and all reporting made to all consumer credit reporting agencies if is being reported. 
You have clearly failed to address my very specific legal request and are clearly violation of the ( FDCPA ) ( A ) License to be able to collect in the state of Texas You failed to obtain and send verification of the alleged debt by not mailing me a signed contact or agreement signed by all parties involved including as requested also the following ( B ) chain of custody for alleged debt ( C ) purchased agreement ( D ) method of verification ( E ) A description of procedure ( F ) statute of limitation Under the ( FDCPA ) it is unfair or uncomfortable to attend to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.

Also my personal information was released without my consent or knowledge to a third party ( RESURGENT CAPITAL SERVICES ) you failed to cease and desist delete Under the ( FDCPA ) it is false deceptive or misleading representation or means in connection with the collection of my debt to communicate to any persons or consumer credit reporting agencies credit information
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Student loan

I am apart of the XXXX XXXX. XXXX lawsuit. My federal student loans were already discharged. My schools are on the list for defrauding schools. I submitted a CFPB complaint to Navient and asked for the school misconduct discharge form and was denied. I would like to know more information as to why I was denied. Navient just said that I was denied because my private student loans were consolidated and thats why it was denied. It doesnt make sense. I have a private student loan and I have been approved for the borrowers defense to repayment and my federal loans discharged. My private student loans were from the same school. In fact Navient pushed me into consolidation. Can the CFPB look into why I was denied the application?
Product: Credit card

I booked a hotel through the Capital One website for XX/XX/2023, through XX/XX/2023. The reservation was at an XXXX XXXX with a fully equipped kitchen and king-size bed. When we arrived, first we were put in a room with no kitchen and two full-sized beds. Additionally, the air conditioning was not working. After talking to the manager, they moved us to another room with a kitchen. The room smelled of cigarette smoke, the bathroom exhaust fan was hanging from the ceiling, the bed sconces were falling off the wall, and the kitchen was empty ( no supplies ). I talked to the manager, but it being XXXX XXXX XXXX they had nothing else. Having no other option, we tried to stay, but the room and overall hotel were unpleasant and unsanitary. I got home immediately, called Capital One and XXXX XXXX, explained the situation, and sent pictures of the rooms and what was advertised when I booked the reservation to them. They provided a credit, and I thought we were done. On XX/XX/XXXX, they reversed the credit and sent me a letter saying they had not received any documentation from me. I called, talked to a representative, resent all the documentation, and confirmed with her it was received. She told me they were re-applying the credit. Nothing was adjusted, and when I received my next statement, I called again. I spoke with XXXX in XXXX and then supervisor XXXXXXXX XXXX XXXXXXXX. They told me they had no documentation that allot time had passed there was nothing they could do for me.
Product: Credit card

My Discover card, # XXXX, exp XX/XX/XXXX, was issued with a micro chip to replace my prior card. In that process Discover either erased or did not transfer my information from the prior card XX/XX/2016. Then I received my bill for that month of {$14.00} -- the entire balance of the account. I called in by phone and paid the account with the bank information on file with them for at least the last five years and received confirmation for the payment. The next month I received a bill again for {$14.00} but I did not contest it because I thought the payment had just not yet been posted. XX/XX/XXXX when the bill came it was on the bill again, a charge for {$14.00}, and I called to find out whether there was some error, some recurring charge I did not approve, so I talked to a representative by phone and paid the bill again! I clearly stated that this seemed to be the same bill as the month before, no research was done by the rep and payment was applied again. XX/XX/XXXX when I received the bill again for the third time I asked if it could be researched as I had not charged anything on that account since XX/XX/XXXX. The rep came back and said that when the card was replaced my bank account on file had been deleted so it was showing as an unpaid balance! I told her that the rep XX/XX/XXXX or at least XX/XX/XXXX should have told me this and there better not be a ding on my credit. I gave her my updated bank information, the {$14.00} was debited against the account and then I was dinged -- this was put in my credit file with all three credit bureaus bringing my credit score down over XXXX points! There is an audit trail of these events, I wrote Discover and asked them to remove this as it was their error that they removed my banking information and they did nothing. I am tempted to get a lawyer on this because this should be removed from my credit file by Discover.
Product: Debt collection

I logged on to XXXX XXXX and seen an delinquent account Lewis, Mcdonald & Associates opened XX/XX/2020 for the amount of {$1700.00}. I disputed it XXXXhree times with no results, I also contacted the company and I found out it was a collection agency that collects for several trac phone companies. I have never had a trac phone. I have an account with XXXX XXXX XXXX and account with cricket which is also with XXXX XXXX XXXX and Ive had those accounts for about eight years or so. When I called to inquire about this charge the rep said there were eight other people with the same name as mine XXXX XXXX and they had no other info other than that! I emailed the company on Friday XXXX XXXX in regards to the discrepancy and Im currently waiting for a response. Im reaching out to you now because I was told by a friend in the fraud department at a bank to file with your department so here I am. I hope Im doing things in the right order. I had a sprint bill in default and currently paying that off but this trac phone thing is not my doing. Thank you for listening. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and Columbus Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. XXXX has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this company.
Product: Credit reporting or other personal consumer reports

TransUnion keeps sending messages regarding my disputes and when I call to speak to a representative about the issue giving the incident number they said they do not know what I am speaking about. The back and fourth and constant lying about the inquiries not being on my report is very unethical and legal. These accounts was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verifiable. The other two credit bureaus removed these accounts because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please send proof that this account has been properly verified or remove these inacucurate accounts from my report Immediately.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1700.00} Account Name : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1700.00} Account Name : XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX A XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I redeemed XXXX points to receive a {$26.00} cash back credit to my account. The credit was never applied to my account. I do not intend to use this credit card after this billing cycle. I called customer service and spoke with two people, neither of whom was able to help me.