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

In XXXX of 2019 we started the process to look for a new home. See the attached Consumer Explanation Letter ( Provided by XXXX XXXX ). We saw on this document that we had 8 derogatory accounts. As this was the first time we had ever seen this, we let them know that NONE of the reports had any validity. 
First the XXXX XXXX XXXX was from a refinance that went bad, and we were held XXXX by XXXX XXXX XXXX, XXXX XXXX, and XXXX Bank. In an attempt to refinance with XXXX XXXX ( who helped us along the way ) the servicing lender paid the taxes for our property, and the new mortgage company also paid the taxes at the same time. This created about seven months of insanity ... all while continuing to pay the new mortgage on time, and without delay. But since the old mortgage company claimed we needed to pay the taxes it was reported that we missed our mortgage payments on the old mortgage. We never missed a payment. We were told by all companies that they resolved this so that it would never show up on a report ... and I need this removed ( # 8 ). 
The first 7 derogatory accounts are not mine, and I've never even seen a bill for services, nor have I ever been contacted to pay them. I attempted to call Equifax since they were the ones listed as reporting them. They gave me the number for the reporting folks " Merchants Credit Guide, XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Phone XXXX. I called them and the number is not a working number. I called Equifax back and they said that I could dispute the claim. I did that and they said that they verified and they were in fact my charges. They gave me the same number to call and I submitted another complaint / credit file with them, and I have included it for your review. They said that the hospital and urgent care places that my daughter in XXXX at the time had gone to, had my contact info as responsible party. That was not true, and I didn't authorize any charges for XXXX XXXX, nor was I given a copy of any bill or collection request. Obviously this is something that can be fixed, but the hospitals sold the collection to the agency, and the agency isn't there anymore, so now I'm stuck with this on my report and I need it to go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and credit bureaus reporting this debt as reaffirmed and a balance due. This debt was not reaffirmed. This vehicle was voluntarily surrendered and the balance discharged in bankruptcy. I AM IN ESCROW ON A HOME AND THIS IS AFFECTING MY LOAN.
Product: Debt collection

Approximately late XXXX I was contacted by a company stating I was overpaid on my XXXX disbursement a few years prior. Not knowing whether this was a legitimate debt I responded back wanting an explanation. I was not contacted back. 
In XXXX XXXX I was sent a letter from Professional Credit Services stating I owed a debt of {$1000.00}. I responded back to them asking what this debt was concerning. They responded back and said I would need to contact Oregon XXXX as they were not sure. 
I explained to them that if they were the XXXX collecting they needed to provide me with the information as it was not my debt. 
I did not hear from them again until mid XXXX stating that I still owed {$1000.00}. 
I consulted an Attorney friend and explained what was going on. As I was not paying for his sevices he just gave me some direction. 
on XXXX I wrote the Following. 

To : Professional Credit Services I am requesting ALL documentation regarding this matter of {$1000.00} owed. 

Please mail all documents to my address, and allow me time for me an an Attorney could look them over to see what action should be taken. 

One week later they responded with a letter stating I would have to contact Oregon XXXX. 

On XXXX I wrote them back telling them being they had not provided me with any documentation, or any proof of this debt I was not taking any responsibility for this debt. I explained to them I had not had anything to do with Pers in over 10 years. 

On XXXX I received another letter stating I still owe {$1000.00} and to contact them. I immediately wrote them back stating I do not feel I am responsible for this Debt and I feel they are harassing me and if the debt is correct why has it taken over 10+ years and there may be statutes of limitations. I explained to them to either leave me alone or take me to court to settle this dispute. 

Today XXXX I received a response letter stating they want, my attorney name, phone and address. As I have not retained an attorney and do n't feel I should have to at my expense. 

Could you please advise me as to the direction I should take as I am fed up dealing with matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I responded, via fax, to Chex system letter dated XX/XX/XXXX in which they stated that a creditor, XXXX XXXX XXXX XXXX, had originally been deleted from my consumer report due to length of time that had passed since my original dispute but was placed back on my report due the fact that XXXX had since certified the information to accurate.
In the faxed letter, datedXX/XX/XXXX, I specially exercised FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency, Chex system, that warranted the reinsertion of this account to be legal.
In response, Chex system, denied my right by sending me the same information they originally sent on XX/XX/XXXX. They are REFUSING to furnish the legally required documents that they have or should have in their possession, which warrants this reinsertion to be legal.
In their response, they stated if I wanted to dispute things further, I needed to contact XXXX however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable.
As of XX/XX/XXXX, Chexsystem is refusing to show proof of validation or to delete the XXXX account, as it doesnt belong to me. According to FRCA section 611, consumer agencies have 15 days to furnish their files, the original letter datedXX/XX/XXXX was the beginning of the 15 days request, if such information is not furnished or account deleted by XX/XX/XXXX, I will be forced to pursue legal action.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, I am entitled to dispute inaccurate or unauthorized information on my credit report. 
After a thorough review of my credit report, I have identified the following inquiries that I did not authorize and request their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to federal law, including the FCRA, credit
Product: Credit reporting or other personal consumer reports

Hey Transunion, I was looking over my report XX/XX/24 and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 
XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) , the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b  ) XXXX XXXXXXXX XXXX  XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXXXXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # 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: Credit reporting or other personal consumer reports

Purchased car on XX/XX/XXXX. 

2 Hard inquiries resulted on XXXX reporr. 

Contacted Bommarito Volkswagen  on XX/XX/XXXX with credit report showing the two inquiries. 

Bommarito responded XX/XX/XXXX saying they can't do anything about it and to contact credit bureau. 

Call to XXXX resulted in referral to FTC and then Consumerfinance.gov to file report that XXXX will accept as documentation. 

Hence, filing this complaint report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that was involved in Identity Theft and needs to be removed from my XXXX Credit Report. XXXX keeps using stall tactics stating they need my authorization when they have received all of my indentification and id theft reports. XXXX states that I am a third party when I am the actual individual that is making the complaint.
Product: Credit reporting

I AM XXXX AND XXXX DONE. HOMELESS BECUSSE OF A JUGMENT ON RENTAL HISTORY USED ALL MY XXXX BENEFITS ON CHEEP BUG INFESTED HOTELS WHILE I FOUGHT THIS LOOSING BATTLE. MY IDENTITY WAS STOLEN THE UNWORTHY OF LIFE INDIVIDUAL OR INDIVIDUALS RENTED APTS TOOK OUT PAYDAY LOANS AND CHARGED UP BILLS. NO ONE WILL RENT TO ME NO ONE WILL RENT TO ME NO ONE WILL SELL TO ME. I AM XXXX AND HAVE XXXX XXXX. THE COLLECTION AGENCY INFO STILL ON MY REPORT AS " CLOSED '' BUT THEY REFUSE TO REMOVE IT. I HAVE WORKED MY WHOLE LIFE PAID MY BILLSBUT BECUSSE OF THIS I AM WITH OUT FOOD MEDICINE OR A SAFE PLACE TO SLEEP. SO SAD I KNOW LOL I 'M NOW XXXX OF THEM THE PEOPLE I WOULD GIVE MONEY TO ON THE STREET AND NOT ANYTHING I CAN DO. THIS EXPERIANCE IS CHANGING ME YOUR SYSTEM IS BROKEN THIS THE UNITED STATES OF AMERICA MY FAMILIES BLOOD WAS SHED IN WARS MANY WARS FOR OUR LIFE STYLE AND FREEDOMS LOOK HOW WE ARE TREATED. BEFORE THIS THING KILLS ME I WILL SEND ALL MY DOCUMINTAION TO NEWS ORGINIZATIONS AND PUBLICE OFFICIALS FUNNY I STILL THINK SOMEONE MAY CHANGE THE SYSTEM MAYBE MY PAIN WILL HELP ANOTHER I HOPE BUT AGAIN NO ONE CARES ENJOY YOURRUNNING WATER COMFORTABLE COUCH DINNER AND DESSERT GO AHEAD COMPLAIN ABOUT THAT BAD NIGHTS SLEEP THE NIGHT BEFORE WITH YOUR COWORKERS LIFES HARD I KNOW SLEEPTIGHT XXXX XXXX will attach back up as soon as I can XXXX of our friendly police officers is told me to move it.
Product: Mortgage

We applied for a loan because they were supposed to specialize in loans to Vets. They changed loan products 4 times each time taking us through the process until the end when they said something did not pan out. We had over 150 email. Submitted 100 pieces of documents and many phone calls and texts. I asked that the last time they just submit my loan with the information they had because I am a banker I felt and still do that we qualified. At this time there are too many communications to list. We are requesting that you help facilitate,
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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
Product: Prepaid card

They are XXXX AMEX gift cards. I have verified the balances yet whenever I try to use one of the online or to move the funds to a digital wallet it charges {$0.00} and then nothing else. The purchase gets declined and eventually the {$0.00} gets put back on the card. Have tried it at a dozen different places with the same outcome every time.
Product: Debt collection

I went to the urgent care for a possible hernia. The event occured at work but the billing did not process it through worker compensation. 

I went to XXXX permanente office in XXXX to resolve the issue and submitted the proper paperwork in person where I was assured the issue was resolved. 

A balance still appeared on my account when I inquired with billing team they assured me again the issue has been resolved. I did not receive any bills for this balance until I switched insurances and moved to a different state. When billing approached me about the balance I explained to them that the balance was in error and I was assured by their representative that the balance was in error. They did not take any action to resolve this issue. 

They passed this balance onto a debt collection agency without any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, my name is XXXX XXXX XXXX XXXX My fathers name is XXXX XXXX XXXX My father had a XXXX XX/XX/XXXX and has been recovering every since.During his recovery he received anesthesia from XXXX XXXX of Illinois who billed him {$5400.00} but instead they billed me the balance. I was unaware of this and this should not have happened because we have different socials, addresses, birth dates etc. Since that point they gave the bill to a collection company called XXXX XXXX and now its been on my credit since XX/XX/2019. It has effected my credit drastically and I've been declined for numerous lines of credit and the refinancing of my vehicle and its stopped me from starting my own business and moving into a new house. I've reached out to capio but its still in limbo. I feel this is illegal and it blatant defamation and all parties involved should be held accountable.
Product: Student loan

Loan Details Current Interest Rate- Variable- 6.030 Current Balance effective- XX/XX/XXXX Date Loan was sold- XX/XX/XXXX sold from XXXX XXXX Latest Rate they were able to Provide-Starting interest rate- 4.950- XX/XX/XXXX Total Disburdenment- {$50000.00} I was not aware I thought it was this high Current Balance- {$39000.00} Goal : Private Student Loan Reliaf Paying loan over 12 years, balance is not really decreasing, school is now closed, was not informed of loan terms when applied in XXXX. 
- Also payment is not getting applied correctly in addation there was false certification. 

Please help me ... .. 

Contact info XXXX XXXX XXXX Tel- XXXX
Product: Debt collection

On XX/XX/XXXX of this year I made my XXXX payment for a XXXX ( this I admit was a few days late ) On this date I also made the payment for the next month ( Due XX/XX/XXXX ) On XX/XX/XXXX I then noticed that I was charged late fees for that month which was already made. I looked on my account and they applied my XXXX payment as a principal payment instead of toward the payment due. I emailed them and called them and they assured me it would be fixed. I then made my XXXX payment on XX/XX/XXXX ( due the XXXX ) and just saw late fees again and saw that they NEVER fixed the XXXX Payment made to a principal payment. 

Called again today and they are refusing to fix this.
Product: Mortgage

My interest rate for my XXXX  is incorrect. The rate being used is XXXX XXXX XXXX  Consumer Cash Fallback 1 Year. The correct rate that should be used is the Secured Overnight Financing Rate ( SOFR ) which replaced the XXXX. Please correct this error. I hope this error is not on other mortgages because my rate has increased to 8 % when rates should be oriented downwards. Thank you.
Product: Student loan

In XXXX XXXX I took out XXXX loans which totaled roughly {$35000.00} from XXXX XXXX so I could attend a XXXX XXXX XXXX XXXX XXXX in California. My interest rates ranged from 4 % up to 14 %. 
When I graduated 10 months later I was making {$11.00} an hour as a XXXX and making monthly payments totaling {$5500.00} in the first year. I struggled to make payments and was hounded by phone calls and letters constantly until I caught up. I was able to pay back over {$16000.00} the three years after I had graduated. 
When I lost my job the payments were too much for me to bear financially so I called XXXX XXXX and spoke to customer service. I was recommended to go into forbearance for lower payments and as far as I was told, forbearance was my best option. 

I tried to get info on how to remove my mom as co signer from my loans because at that point some of my late and missed payments had started to show on mine and my moms credit reports. I was never given any direction on how to do that and I was also told my mothers name would only be removed when my loans were paid off. 
In XXXX XXXX I started a lower {$110.00} a month payment arrangement which lasted for three years. I missed a few payments when my debit card that was in file expired and my loans defaulted in XXXX XXXX. 
I am currently paying {$250.00} a month to Navient plus {$50.00} a month to XXXX. 
My original loan amount was roughly {$35000.00} My current loan balance is roughly {$49000.00} I have paid {$28000.00} towards my student loans. 
Dealing with XXXX XXXX has been the bane of my existence for the last ten years. They use bullying, threats and misinformation to get paid and I truly believe that I am being taken advantage of along with so many other people from my generation who were just trying to get an education so we could get ahead and live the American Dream. Because of my student loans I 've had to put off my dreams of having a family and living in my own. 
I feel hopeless and uncertain that I 'll ever be done with these loans. The total is so large now and I have n't even made a dent in it in TEN YEARS. 
I would so appreciate any information that would help me get in board with this lawsuit against Navient.
Product: Mortgage

Ocwen has done XXXX things I would like reviewed. However, I did agree to XXXX of them. The following are my complaints:1 ) Credit Reporting - Ocwen promised, verbally, that negative reporting information would be removed from my credit reports. They cleared up a portion, but they are still reporting several months as 180 days delinquent. 
2 ) Foreclosure Fees - Ocwen promised, verbally, that they were waiving the foreclosure fees. They have not and it is more than {$3400.00}. 
3 ) Interest Rate - Ocwen offered and I accepted 4.25 %. This rate is still too high and I have requested multiple times that Ocwen reduce the rate to 2.0 %.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency Experian has failed to provide me with copies of the documents being used to validate an account on my Credit report with them. The account is with XXXX  XXXX XXXX and they are acting as a debt collector trying to collect this debt with fraudulent documents. I have requested copies of the documents being used by the creditor but Experian has failed to provide me with the copies of the documents. I also want to be provide a copy of the business license 's for the lender listed on the documents being used by the creditor XXXX XXXX XXXX and the Lender being XXXX XXXX XXXX XXXX whereby showing they were licensed in the State of North Carolina in 2002 as a mortgage lender and were licensed to originate and fund a mortgage loan, but I have documents that state the above lender XXXXXXXX XXXX XXXX XXXX XXXX is fictitious and does not exist. XXXX  XXXX XXXX is committing fraud trying to collect this debt since they are not listed on the documents as having funded this debt. Without being provided proof of the above I request that the account with XXXX XXXX XXXX be deleted from my credit report with Experian credit reporting agency.
Product: Debt collection

Portfolio Recovery- XXXX, contacted my employer about my debt. Its against the law, now I have been placed on evidence with the people I work.
Product: Checking or savings account

XXXX XX/XX/year> initial payment for online purchase with XXXX XXXX. 

It was reversed and Chase had retuned the money for I had cancelled my purchase due to the seller delaying the shipment of my purse. 

Chase then closed the claim and just yesterday XXXX XX/XX/year> XXXX took the money out once again.
Product: Credit card or prepaid card

This account has been disputed several times. This account was open up when I was a minor. It does not belong to me. 
Barclay Bank XXXX