23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I cosigned for the daughter of my girlfriend XXXX XXXX her daughter XXXX XXXX and her Partner XXXX XXXX to renew a Lease at an apartment that I had cosigned for 1 year prior. Because I was helping raise her children and wanted them to have a home. In late mid XXXX my girlfriend and I became estranged as well as her daughter. I have not spoken to them since XXXX. In XXXX I wrote a letter to the apartment complex to make sure she did not renew with my name or credit. Apparently that couple and her mother could not provide the credit necessary to renew so they moved out without paying rent and did damage to the apartment in which the apartment wanted to be reimbursed for. Because I was the only person that would actually pay the apartment company wanted me to pay the entire amount, approximately XXXX dollars, I contacted XXXX and told her to pay she said she would but apparently did not. she has a history of this. I was contacted by a debt collection agency XXXX XXXX trying to collect the full amount and was told that they could not locate the other 2 persons. I told them that I could not either, and they wanted me to pay the entire bill. I contacted and attorney that wrote a letter dated XXXX XXXX. XXXX to pay XXXX of the amount The letter also stated to contact me directly with written offer to settle. I never received a letter. I assumed they had made arrangements with XXXX XXXX and XXXX XXXX to make payments. I was contacted on XX/XX/XXXX by the attorney that wrote the letter and told me that XXXX XXXX contacted them in spite of instruction otherwise. She wrote another letter informing XXXX XXXX that they should contact me directly. today XXXX approximately XXXX hours I received a call from XXXX XXXX from phone number XXXX, from a female that stated her name was XXXX would not give me a last name but stated her extension was XXXX. She stated that the other party ( singular ) had agreed to pay XXXX half of the debt, and that in accordance with some law meant that they would have this debt removed from their credit. And because they agreed first that no matter what it would remain on my credit. She proceeded to tell me that I had until XXXX today to pay half or " the deal was off the table ''. When I tried to talk to her she just talked over me and and continued to threaten me with bad credit. She continually put me on hold and told me she was typing up my offer. I informed her that she should send me an offer in writing to review and consult with attorney if necessary, she said as long as I could do it by XXXX today or the offer is refused. finally after telling me she was going to contact her XXXX and putting me back on hold I hung up to seek counsel. This company uses threats and intimidating language to try to get people to agree. As of now 1 hour later I do not have any written correspondence from the company.
Product: Debt collection

National Recovery Agency placed a collection on my credit bureaus and it appears they purchased this debt from XXXX XXXX XXXX ( another collection agency ). This violates Federal Law and the FCRA as they did not provide any information on the original creditor nor original creditor data/ dates. I can not verify this is my debt. This is an attempt to re-age a collection by selling to another collection agency without the ORIGINAL CREDITOR AND DATA. This is not my collection and my XXXX  XXXX XXXX of XXXX XXXX XXXX will seek monetary and punitive damages if this is not DELETED from all credit bureaus.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I find that the following information provided on credit report to be an error. This account was never late or owed any amount ( pursuant to HJR 192 ). You are alleging that I owe without furnishing any proof of this debt with full accounting of ledger or proof of any 1099s that were filed on behalf of my principal.

As you know Pursuant to 15 u s.c 1692a ( 1-7 ), 15 u.s.c 1692e ( 1-12 ), 15 u.s.c 1692g ( a-c ), 15 u.s.c 1666. 15 u.s.c 1681 ( a ). you are violating all laws and regulations. If you are unable to provide full reports of how you validated, verified and how you are in compliance then you must reopen my credit account shown paid as agreed, including {$0.00} balance and rectify for the damages ( 15 U.S.C 1692D ) you've caused.

Furthermore, any alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

If you severally fail to comply with above requests, I reserve all rights, interests and proceeds to seek damages against all parties, under all applicable state, federal and ucc -9 remedies. 

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

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

Chase bank owes me {$1500.00} in overdraft fees that I did not consent on my behalf
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I sent a notice to such company to opt out with information sharing on XX/XX/XXXX. I have never received notice or disclosure to opt out per 15 USC 6802. Furthermore, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I, the consumer may have given you written, unwritten, verbal and nonverbal to any third party that is effectively immediately and indefinitely.Per the privacy act of XXXX, such financial institution violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did an unauthorized hard credit check on me without my knowledge, as i have found out since that they do so often that they usually have an open class action lawsuit against them for it. I called XXXX telling them to remove it. They said that i had to dispute it with XXXX XXXX or some other website with a Transunion credit report since thats the one that participates in their unseemly, unethical behavior. I have reported it 2 times with XXXX XXXX with no response or investigation to either request that i have been told about. Of course there is no way to contact Transunion, that i have ever seen published, unless it to buy a product. I have been dealing with this for 2 months with only an oh well response from XXXX and my credit score went down 15 points because of this. Unacceptable from XXXX, Transunion and XXXX XXXX.
Product: Checking or savings account

Fraud charges in my account from XXXX Hi, I am not sure how long this has been happening, but I just realized last month I had XXXX I think had charges from XXXX. I know I had some charges before applied from my account without my authorization and it was phone payments. 

I do only banking and had set up one payment. This time I changed the account and made the payment but still someone called and charged {$150.00} to my debit card and it was a fraud I know XXXX XXXX also has charged off one of my account and put my report and whole jobs due to that and I do believe some fraud happened under my name In XXXX XXXX. 

Someone has been taking money out and not sure how long this has been happening. 

I reported but never got help and someone is calling saying they are XXXX. 

XXXX Payment Reminder : Visit XXXX or call XXXX TTY XXXX to make pymt on your XXXX Credit Card. To opt out of texts reply STOP These are fraud. 

I told XXXX not to take payment over the phone due to this fraud. 

They have to fix my account and have to stop. 

Please take care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX  BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Deletion of Inaccurate Accounts and Resolution of Disputes I am filing this complaint due to inaccurate and unverifiable information that has been reported on my credit reports with XXXX, TransUnion, and XXXX, which has caused significant harm to my XXXX XXXX and financial well-being. Below are the details of the accounts in question : XXXX : XXXX XXXX XXXX Account # XXXX - {$37000.00} XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} TransUnion : XXXX XXXX XXXX Account # XXXX - {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account # XXXX - {$33000.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account - {$29000.00} XXXX XXXX Account ( XX/XX/year> ) XXXX : XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account # XXXX - {$33000.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account - {$29000.00} Despite my attempts to dispute these accounts directly with the credit bureaus, they remain on my credit reports, and their presence continues to negatively impact my credit. These accounts have not been properly verified, and the reporting agencies have failed to follow the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ). As a result, they are violating my legal rights under the FCRA. 

In addition, under 15 U.S.C. 6802, 1681b, 1681i ( a ) ( 6 ) ( B ) ( iii ), 1601, and 18 U.S.C. 1028A, the credit bureaus have mishandled my personal data and failed to conduct thorough investigations into these accounts, thereby violating my rights. I request that these accounts be deleted immediately, as they can not be verified. 

The resolution I am seeking is the immediate removal of all inaccurate accounts from my credit reports and the issuance of corrected credit reports across all three bureaus. If this issue is not resolved in a timely manner, I will pursue further action, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and other relevant authorities, as well as pursuing arbitration to seek remedy for damages caused by these violations. 

I trust that the CFPB will assist in ensuring that these issues are properly addressed and corrected in accordance with the law. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

on or around XXXX, I've noticed a charge-off on my credit report., I'm very disappointed, I have tried several attempts to tell this company XXXX XXXX I was not the one with the vehicle nor did I make any settlement offer payment. But since this vehicle is now with a XXXX balance no matter how it was paid, AGAIN, I MADE NO PAYMENT... why would XXXX still put this burden on my credit report. I am trying to start a business for my family, and I can not do so with this stressful NEGATIVE mark reflecting my credit report, it has put a strain on me and yet depressing. IN accordance with the FAIR CREDIT REPORTING ACT XXXX FINANCE HAS VIOLATED MY RIGHTS.15 USC 1681 SECTION 602A, STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2, ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. I DID NOT RECEIVE NO SUCH INFORMATION OR ANY DOCUMENTS FROM ANY COMPANY WITH OPT-OUT INSTRUCTIONS ALSO, I DO NOT RESIDE AT THE ADDRESS STATED BY EXETER. SO, BEFORE YOU DECIDE TO assume this account validated or verify let 's be clear I am not asking for validation nor verify, to waste my time. Please delete this negative mark from my credit report. I also do not consent to e-Oscar system when looking into this matter. ALSO, PLEASE UPDATE XXXX XXXX  to good standing without the late payment. I have sent dispute letters again to the credit bureaus.
Product: Mortgage

My complanit is Ditech Financial about my mortgage payments. In XX/XX/XXXX I file a chapter XXXX at that time my mortgage was current in XX/XX/XXXX. After that my mortgage payment were applied to the company for post payments. In the process I sent in multiple payments to stay ahead. My regular house note is {$440.00} sometimes my mortgage be {$440.00}. I asked why my mortgage change, they replied that I had to pay for multiple inspection. After that Ditech sold the mortgage to XXXX XXXX XXXX. I contacted the new mortgage company which were XXXX XXXX  in XX/XX/XXXX to check on payments, at that time XXXX XXXX  said my mortgage was current. I were told they were waiting on Ditech to forward the payments over to them. Which XXXX said it was taking longer than expected. I call the mortgage company back to see had Ditech post the payments to the account. XXXX rep said the payments were applied. Ditech told XXXX that the last time a payment was make it was XX/XX/XXXX. At that time I knew that was incorrect, I call Ditech to see what happen to the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments.I was informed by Ditech rep they see the payments but {$1000.00} went to legal fees and there were other advance payments made from my mortgage payments. I were never told about any advance payments until I check with Ditech about the missing payments. My mortgage is behind due to Ditech applied funds to their advance accounts without my knowledge. They charge my account late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or emaiXXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX inquires all ftc XXXX XXXX XXXX  XXXX XXXX {$0.00} Closed 11 late payments XXXX XXXX {$0.00} Closed 32 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$25000.00} Payment Info Status Paid, was past due 60 days Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments XXXX  XXXX XXXX XXXX XXXX XXXX View more You've made 47 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX XXXX {$0.00} Closed 5 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$18000.00} Payment Info Status Paid, was past due 30 days five times Status date XX/XX/XXXX Past due amount - Original loan amount {$18000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 93 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account Hide 2 closed account both auto ftc violations sent
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a bankruptcy on my credit report from the US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX 
I have a letter from the court stating they do not report to credit bureaus. Or to any third party credit monitoring companies. Nor do they verify or validate any information pertaining to any bankruptcies. 
LexisNexis is falsely reporting this information on my report and to all the credit bureaus. 

I've attached the letter from the court stating as such. 

I've also have filed a complaint with the XXXX XXXX State Attorney Generals office. As this is unacceptable.
Product: Student loan

I am a full-time student and my loans are supposed to be deferred. I made several online requests to confirm my enrollment status weeks prior to the due date of XXXX Nelnet had given me. Part of my loans were approved for deferment according to the rep I spoke with on XXXX but they could not explain what the others were not. It is clearly an issue on their end but they refuse to do anything about it except put the burden on me to solve the matter even though I am powerless to do so. 
I submitted documents from the XXXX XXXX XXXX  on XXXX to Nelnets portal because when I attempted to on XXXX the portal was down. The documents verified that I am enrolled full-time. I was under the impression that this would take care of the issue once and for all. 
I called today on XX/XX/11 after noticing that {$660.00} was taken from my account. After over XXXX hours on hold I spoke with a rep who then placed me on hold waiting for the refund team. After some time I was told that it would take XXXX months to get my money back. I was told I could dispute the transaction with my bank if I wanted it faster. As a former bank employee, this seemed odd as the first thing we were trained to do was instruct people to contact the merchant making the charge. 
I can not afford to wait XXXX months to get the money back. I am begging you to do whatever you can to help me get my money back sooner and to deal with the absurdity of this situation. I have spent close to XXXX hours over the last week working with this awful company and have made XXXX progress. I feel helpless and am at a loss.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Verification XXXX  Account XXXX XXXX Dear Transunion, I recently disputed an account on my credit report, and I am requesting the Method of Verification for your investigation. The account details are as follows : - Creditor : XXXX XXXX XXXX - Account Number : unknown -Creditor : XXXX XXXX  -Account Number : XXXX Please provide the following information under the Fair Credit Reporting Act : 1. The name, address, and phone number of the party who verified the account.

2. A detailed explanation of how the information was verified.

I expect your response within 15 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

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

In accordance with the fair credit reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 ( a ) states I have a right to privacy.

15 U.S.C 1681 604 ( a ) section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( c ) ( 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 1681 ( s ) -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.

These credit reporting agencies never requested or asked for my consent to obtain and share my information which violated my privacy 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not male these charges. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.
Product: Credit reporting or other personal consumer reports

My current credit report has numerous inaccuracies please download my letter and proceed with an investigation into the matter with the credit reporting agencies. Thank you.