23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. 

They have no right to collect according to the UD. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that that my credit report indicates that I had a payment past 30 reported today. Last month I received a letter from Carrington Mortgage LLC that I did not make my XX/XX/2021 payment. I did make my payment, but Carrington Mortgage incorrectly applied it as a extra principle payment. I called them XX/XX/2021 to get the issue resolved and they told me it would be fixed. Today I received a notice from the credit bureaus that it was report as a late payment. My credit was above 800 and excellent now it's fair and below 800 and I'm in the process of refinancing my other home. Mortgage companies should be held accountable for their mistakes and negative impact it has on consumer 's who have excellent track records in their payments and paying their bills. This whole issue is a direct result is a direct result of their errors and they not taking responsibility for their negative and harmfully actions.
Product: Debt collection

I had XXXX at the XXXX. it is XXXX per XXXX UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to care credit that owned the debt but they sued, used XXXX and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX XXXX at the XXXX said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a XXXX complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my XXXX. I believe the statement was false to make it seem on the XXXX that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a XXXX which i believe is fair to all parties and was paid the XXXX year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the XXXX for their shady practices. I should not own this debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed recently on a credit report included with my apartment application that in XXXX 2017, there was a hard inquiry for an auto loan by CHASE. I called chase and they said there were no records of any auto loan application in their records and so there should not have been a hard inquiry. They did not want to update XXXX because they said that since there were no records on file, I would have to call XXXX  directly. On XX/XX/XXXX, I called XXXX to dispute this, and they refused to dispute it or to investigate or to call Chase. I explained I did already and that they needed me to call experian to dispute and when they dispute, they 'll remove it because there are no records. He said no, I have to call Chase again. After this long argument about how he could not and would not investigate, I called chase auto back. He again confirmed there was no application process started and that a hard inquiry should not have been processed over a simple question and without my permission. he expressed that chase takes these matter very seriously and will have someone call me back in 24 hrs. I did not receive a call back.
Product: Credit card

XX/XX/XXXX I received a bill from Macy 's stating that I was pat due XXXX dollars even though I had not made any purchases since XX/XX/XXXX. I paid it off and this month when I go to pay my bill I find another charge. Checking on my statements I noticed a " minimum interest charge '' of XXXX dollars very month even though I did not make any purchases. After speaking with customer service agent and doing internet research I see a lot of people having this issue. I hope you can do something to stop this blatant thievery of Citibank/Macy 's. This is just a gimmick to steal money. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and fraudulent accounts have been added to my credit file. As such, I request that the following accounts and inquiries be blocked and deleted from my credit report, as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

XXXX discharged my entire student loan XX/XX/XXXX and for some odd reason Nelnet acquired the loan the same day. Great Lakes was my actual loan servicer when I signed documents with XXXX. Looking at my credit report it indicates that Great Lakes closed my account XX/XX/XXXX. With this information it also states on my credit report that the loan was transferred. It does not indicate to whom the account was transferred to. Looking further into my credit report I see I now have a loan with Nelnet, in which they claimed to have acquired the loan via transfer from Great Lakes. When I look at my information on my FASFA account it shows that my loan with XXXX is at {$0.00} and that the loan was paid in full by consolidation. After speaking to a representative for the Dept. of Education I was informed that the loan showing in the system is not linked to any school. Yet the loan visible on my credit is to Nelnet. I have received a letter from the department of education dated XX/XX/XXXX that my loan is eligible for complete discharge but Nelnet will not delete the balance. Further more I have not signed any documents with Nelnet agreeing to consolidate any loans. But after further investigation it seems as though Great Lakes sold all signed documents/ accounts to Nelnet without informing borrower and then closed there business. Nelnet is now acting as Great Lakes because of a ( cash ) transaction conducted between both companies which allowed Nelnet to take on and take over accounts with borrowers unbeknownst them. What I don't understand and what concerns me is how business was conducted amongst said companies without the knowledge of borrowers and allowed to be legal and reported on the borrowers credit without the consent of the borrower?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a notice that a hard inquiry hit my credit today. I did not apply for anything in the last year or use me credit in any way
Product: Student loan

XXXX XXXX constantly call me and threatening me with reporting me to the credit bureau for none payment of my loan. I have been consistently enrolled in school for the past two years, however, I keep getting statements saying that I'm past due and a failure to pay would result in bad marks on my credit. 

The terms on my loan stated that while enrolled I do not have to pay on my loan. XXXX has ignored the fact that I send {$50.00} a month for over a year and none of those payments has been reflected in any statement. 
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Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing an account fraudulently reported by XXXX XXXX due to identity theft. Despite multiple disputes, it remains on my credit report, causing severe financial harm. Additionally, I lawfully attempted to set off the alleged debt under 12 U.S.C. 411, yet XXXX has failed to remove it. 

I have kept my account frozen for protection, but this has negatively impacted my life and financial opportunities. XXXX  continued reporting constitutes defamation and unlawful collection practices.
Product: Mortgage

Hello the information provided details a past Wells Fargo Home mortgage account, Sold in XXXX of XXXX  while in pre foreclosure. I was made aware of active remediation proceedings with potential assistance to homeowners during time period. Also covering information pertaining to wrongful foreclosures and denials of Home modifications, This unfortunately was the situation I faced. I'd like more information on this matter and would also be willing to provide any additional information necessary required for review, Thank you you for the time and effort.
Product: Debt collection

There was a debt of {$330.00} that I paid to Credence Resource Management. Before paying the debt in XXXX, I asked if they would be able to deleted or send a request to delete to the Credit Bureau and they told me that they would. The balance is {$0.00}, however, it is still on my credit.
Product: Debt collection

Half the problem is I have no idea where this came from or why I would owe money to XXXX College when I had student loans that took care of that. MERCHANTS & MEDICAL Credit is trying to get {$920.00} from me and looks like they or someone else has changed report dates as I went to XXXX  a long time ago and shouldn't owe anything at all. Each time I try to get this verified I get nothing and it just says it has been updated when I dispute. I would like this removed from all of my reports and not sold to another creditor as I feel they have been changing dates to up the drop off time. Account # XXXX
Product: Checking or savings account

Visited XXXX XXXX branch on XXXX XXXX, in XXXX XXXX to clear a XXXX XXXX for an account I could nor gain access too, as well as potentially open a XXXX XXXX account. After meeting with XXXX XXXX, I felt very belittled and degraded, as she spoke to me like a child. And refused to accept my payment for my XXXX XXXX. To be fair, I did arrive to my appointment XXXX XXXX late because I forgot my XXXX and turned back to get them from home. When I arrived she spoke out and said is my XXXX appointment here. I replied yes. She then said XXXX? I said yes, that's me, she again replied, it was for XXXX. I apologized and said I turned back because I realized I left my XXXX. And she chuckled. Then said how can I help you, I told her I want to pay a XXXX XXXX, and open a XXXX account. She replies, I don't do payments for XXXX XXXX, I can only handle opening a XXXX account. Then states " you know chase won't allow you to open a XXXX account if you owe them money right? ( IN A LOUD TONE ). Then replies, just to be clear, im not speaking loud, but I just want to let you know that. Then says, '' C'mon, would you lend someone money if they owed you '' Honestly, it felt like she wanted the whole bank to know I owed chase. I responded, I would assume that they wouldn't, that's why I said I want to make a payment on my XXXX XXXX. Then she decides to pull up my account. She then says, you have XXXX XXXX XXXX, what's going? I told her I'm only aware of the one I came to pay, and she said the other one is from XXXX XXXX ago. I said ok, well I didn't know. She then decides to lecture me about how chase views customers with XXXX XXXX XXXX, and ask who do I bank with? I replied just XXXX banking ( XXXX XXXX etc ). Then disrespectfully goes, do you work? Like why is that your business? I'm here to make my payment, and do business. I immediately ended the dialogue, and said mam, can you start the process to make my payment. She kept replying, I have to make a call XXXX, and I said so I can't just make a payment? She replies, I have to make a call XXXX. I decided to leave the meeting and go to the teller, where I easily made my payment. I've never felt so downplayed in my life, and im definitely not going to that branch. And possibly never do XXXX with XXXX again. I tried calling XXXX XXXX XXXX to complain. Waited XXXX XXXX, to have a representative transfer me to there XXXX, and been on hold for another XXXX XXXX. So here I am. OFFICIALLY COMPLAINING.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX  # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  college of XXXX  in XXXX ( Maryland ) went bankrupt. There 2 loans on my credit with one for XXXX and then other one for XXXX. Date opened was XXXX. Also when I signed up for the school my financial aid was expose to cover my tuition reimbursement. And Never received my degree. Now the school is called XXXX college. 
In XXXX, the company reported nearly {$50.00} XXXX in debt to unsecured creditors. 
This is what I found out of the school On XX/XX/2018, it was announced that XXXX XXXX XXXX XXXX was shutting down all XXXX College locations nationwide, due to loss of accreditation from the US Department of Education also Students may be eligible for reimbursement of money other than federal loans or grants that they paid to XXXX College for tuition and other expenses. The Maryland XXXX XXXX XXXX will have more information about how to apply for these refunds on its website. ''
Product: Debt collection

IQ Data XXXX - XXXX XXXX received bill for carpet cleaning from apartment. When asked to do a walk through I was refused. And told I would not owe anything if I did they would send a final bill. They never mailed me a bill. She claimed she sent me an email, but could not produce a copy of the email. When I asked the collection agency what the collection was for they could not provide me a bill summary and the collection agency then knocked my credit score from above XXXX to XXXX. I would have paid any bill I owed, but did not deserve to have my credit destroyed. When they contacted me in XXXX I simply asked them for why i was being charged so much they never produced a bill.
Product: Payday loan, title loan, personal loan, or advance loan

Neded money to make improvements on home! Looked on line, XXXX website! Net credit said interest rates were 36 %. Borrowed {$36000.00}, 2 years later, I owe {$4400.00}, with an interest rate of 65 %! Predatory rates, as interest rates in XXXX, are capped at 36 %! However NetCredit skirts this by the XXXX strategy, using XXXX XXXX XXXX XXXX as a front!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy and information on my credit report for bankruptcy. Both XXXX and Experian told me that this information was verified with the courts but the information was untrue. I received a notice from the courts that they do not report to any credit reporting agency. I have attached the notice from the courts. Also, the name on the document from the court is not my name. I want both of these credit agencies to remove this from my credit file.
Product: Credit card

I have a Venmo Visa Card with a {$5000.00} credit limit. XX/XX/XXXX the balance was {$4200.00}. I made a payment of over {$4000.00} XX/XX/XXXX. They lowered my available credit the payment amount. Not sure how they can do that. And with out my knowledge of this I made a small purchase maybe {$200.00} and they now they have reported me over my limit. And now my credit rating went down. XX/XX/XXXX I called them thinking there is a mistake. They informed my that a large payment can take up to 14 days to go thru. The payment went thru from my bank on exactly XX/XX/XXXX. This is so maddening and confusing. I am XXXX  and I am making every effort to keep my credit score up. This is ridiculous and inexcusable.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


CLOSED ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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. I XXXX XXXX never gave XXXX, XXXX, or Experian any written consent to report anything on my consumer report. No consent is Identity Theft.