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

DEBT RECOVERY SOLUTIONS XX/XX/2022 {$580.00} According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want one thousand per violation and account removed from all credit reports. The Credit bureaus stated my account was properly investigated.but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate.
Product: Debt collection

Forster and garbus keep contacting me regarding a debt that I do not owe on. That paper was purchased after the original loan company was dissolved for illegal practice. Now they are threatening to garnish my wages.
Product: Debt collection

LVNV FUNDING LLC has an alleged debt listed on my credit report I don't have a contract with this company at all. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

Debt collection Attorney Rolfe & Lobello XXXX, FL, claimed they were hired by XXXX XXXX to collect on a defaulted unsecured loan with a balance of {$9000.00}. This Junk debt buyer provided no contract which reflected they were hired buy XXXX XXXX to represent them and the copy of the contract they provided to me that I supposedly signed now suddenly has my new married name and initials, which has been clearly altered. The initials have been typed and so has my complete signature. When I signed the original contract, I went into the local branch and an iPad was used to capture my initials and signature which was my former name. 

This junk debt buyer did not provide me with a notice to appear in court, which is how they were able to obtain a judgement against me. they have sent garnishment notices to business that I have never been employed with. I am head of household which my attorney has filed the necessary paperwork and they don't want to accept it and is now challenging it
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was shocked to find unauthorized inquiries that I can not explain. I regularly monitor my report, and this is the first time Ive seen such discrepancies. I tried refreshing my browser, hoping it was just a technical issue, but nothing changed. Im extremely frustrated and request that you thoroughly examine the documents Ive provided to put an end to this situation once and for all.
Product: Mortgage

The mortgage company sold/transferred my mortgage because of lawsuit against them ( Nationstar ) XXXX  Mr Cooper, Rushmore Servicing, at the time this was done the company removed, deducted over {$5000.00} from my escrow account and principal balance. When I asked them about this, their comment was that I had a loan modification. When I asked what did that have to do with the money removed after a pause they disconnected the call. When I called back I could not reach anyone again. When I was told by the new servicer that I had a deficit or shortage in my escrow account I explained what happened. Their response was they were going by the information provided which is all one company. For the past two years they continue to claim I have an escrow shortage and I have been paying for monies they took. Always with threatening language " you are expected to pay ''. Recently my escrow has shown an increased shortage again, when I wrote to them they redid some numbers to lower the supposed shortage. This boarders on fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I disputed the following account Jefferson Capital Systems ( XXXX ), ( XXXX ), I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company delete the inaccurate information reporting from my consumer report within 30 days! This company has failed to provide any proof of contract with a valid my signature contracting an agreement between myself and Jefferson Capital Systems XXXX would like for this account to be removed immediately as it is affecting my privacy.
Product: Prepaid card

I have 4 {$300.00} Amex gift cards. I have tried to use them for multiple charges online where Amex is accepted and the charges keep getting declined. I called Amex Gift Card, but they offered XXXX support and said that they could not refund the card value.
Product: Debt collection

XXXX : Disputed {$430.00} XXXX debt goes to collection, reported as of XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX, assigned to collect, reports debt new as of XX/XX/XXXX When I learned of the XXXX XXXX XXXX XXXX XXXX . collection, I began disputing the debt as to their date of reporting. Over the next two-plus years, they continued to report the debt as if it were started in XXXX. 

The credit bureaus allow the collection companies to report the date that they receive the debt, to be the new, " placed for collection date ''. By changing the reported date, it makes a debt appear as if is brand new. The original date was to remain on the credit report as well. This has not been the case. 

In my circumstance, it appears that XXXX XXXX may be using XXXX XXXX XXXX XXXX XXXX, as it's agent, to extend the SOL or force a settlement. Someone has found a work-around. 

If each time a collection is resold, the " placed for collection '' date is changed, the credit report will take a substantial hit. 

A debt in collection that is 3 years old, is now showing on your credit report as a new collection, dated last month. 

After XXXX XXXX XXXX XXXX XXXX starting reporting the collection debt as if it were created three years after incurred, creditors began to decline loan applications. They were specific to the new collection. When I disputed the information, both the credit reporting agencies and the XXXX XXXX XXXX XXXX XXXX were adamant in keeping with the date. 

Over the past two-plus years, I have been unable to refinance or obtain a loan at any rate less than 75 %. Credit card advances are the lowest interest of my loans, however, it tends to increase my total card useage. Still, I have maintained a 100 % payment history with all of my credit obligations. 

My claim today is that, XXXX XXXX XXXX, XXXX, FRAUDULENTLY, " verified as accurate '', on multiple occassions, that they were the owner of the disputed debt, and during the period, THEY HAD IN FACT SOLD THE DEBT to another collection company. 

XXXX XXXX XXXX XXXX XXXX does not own the debt. 

I request that XXXX XXXX XXXX XXXX XXXX, and any and all information related to them, be removed from my credit history and, that any entity that was provided with my credit report information during the time that XXXX XXXX XXXX XXXX XXXX was not the debt owner, be notified of their fraud. 

XXXX XXXX XXXX XXXX has owned the debt prior to XX/XX/XXXX, and was the owner during the last disputes. 

Note : The current collection company, XXXX XXXX XXXX XXXX, has sent several " reduced balance opportunities '' that state, " Our client has advised us that they are willing to satisfy your account for ... ... % of your total balance to due to satisfy your past balance total ''. The offer amounts vary with a 40 % of account balance reduced balance of {$170.00} on XX/XX/XXXX and another with a 30 % of account balance reduced balance of {$130.00} on XX/XX/XXXX. 

If this XXXX XXXX, XXXX does indeed own the debt, and the credit reporting agencies are to be relied upon, then this offer could never have even considered. 

End Note.
Product: Vehicle loan or lease

I have been trying to figure out how my payments are applied to interest versus principle on my monthly loan and there doesn't seem to be any information available, and I believe that Kubota Credit is being intentionally obtuse or outright dishonest about their methods of computing it because they have been evading giving me any kind of answer at all to my very direct questions and request of assistance in figuring this out. 

I am trying to figure out what day of the month i need to make my payment to maximize the amount going to the principle instead of interest. There is no information available, it is not clear at all how the division of money is applied, and I have seen a huge difference in how much goes to interest versus principal depending on the day of the month. Unfortunately, there isn't any logic that I can discern based on previous payments that will allow me to see what day of the month will provide me with the best bang for my buck. I am unable to figure out whether or not I will be able to pay off my loan in the agreed amount of time because so much of my payment has gone to interest instead of principal and there doesn't seem to be any logical methodology that I can work with. 

I have called several times to try and get more information on the division of interest versus principle with my payments and have not been able to get a straight answer from customer service and have been told at least five times that a manager would call me and I have never heard back. I have even been told by one of their representatives that they wouldn't, not couldn't, tell me what day would allow the most of my payment to go towards principle, instead of interest. 

I have complained multiple times with their customer service, and asked to speak to a manager or to have my request for information about my loan brought to the attention of someone that can answer my questions, but I can't get any further than basic customer service. I have had them send me a copy of my contract to see if the information is in there about how they apply my payment towards principal versus interest and there is nothing in the contract.

I need some help getting Kubota Credit to be open and honest about their loan and its repayment terms and conditions. They have not been clear about this from the beginning, and I suspect I have lost hundreds of dollars that could have been applied differently if I was able to have the information about this.
Product: Student loan

My student loan qualifies to be forgiven in two different ways : 1 ) I have paid every month on these consolidated loans from XXXX XXXX that is 25+ years AND before consolidation, I paid dating back to XXXX that makes 27 years plus another 7 years. This should clearly qualify for 25 years of payments, and thus be forgiven. 

2 ) I am a teacher. I have been a teacher the whole time I have paid these loans. I should have qualified for the 120 payments in XXXX or XXXX. I recently transferred this loan into the Direct Loan Program and sent in all the paperwork. Under expanded XXXX these loans should clearly be forgiven. 
__________________________________________________________________ -- I consolidated {$34000.00} in loans in XXXX ; -- I paid {$59000.00} over the past 25+ years ; -- I worked in public service that entire time ; -- I now owe {$65000.00} ________________________________________________________________ To qualify for the XXXX  waiver I transfered the loan into a DIRECT LOAN under XXXX XXXX in order to apply for XXXX. I consolidated into a direct loan on XX/XX/XXXX. 

I sent XXXX my XXXX certification from ALL THREE on my employers : I work 22.5 hours per week for one, 9.42 hours per week, and 13 for the third. This is 44.92 hours per week which is clearly over the 30 required. 

On XX/XX/XXXX, I received notice that the application for XXXX had been received by XXXX. On XX/XX/XXXX I received one notice saying the employment was NOT ELIGIBLE since I dont meet the qualifications for full time employment but if if we receive another certification of employment they will determine if it meets the qualification of full time. 

On the same day, I received a second letter which shows all three employers and the APPROVED EMPLOYMENT BEGIN DATE of XXXX and APPROVED EMPLOYMENT END DATE date of XXXX. 

Unfortunately, MOHELA does not seem to have any of my XXXX information. The loan transferred to them XX/XX/XXXX. The full amount of the loan is showing but nothing else. 

I am concerned since the end of XXXX ( and thus the end of the XXXX  ) is rapidly approaching. I do not want to be locked out of forgiveness AGAIN on a technicality. 

I attached copies of my payment history from XXXX, a deferment/forebarance history form XXXX showing a deferment in XXXX, my XXXX  employment verification from all three jobs ( which add up to the required hours ), the XXXX notices from XXXX. Is there some additional hoop I need to jump through?! 8 months is a long time to process something this important. 

_________________________________________________________________ ALSO just to clarify -- I emailed XXXX via their website with these concerns and did not get a response. I filed a complaint on Studentaid.gov and got no resolution. I also emailed MOHELA with no response. WHen I called the MOHELA automated phone system they says there is no record of my account. I am writing this missive while on hold ( AGAIN ) to speak with MOHELA. I have been on hold for an hour and a half the expected wait time today is 144 minute. I AM DOING EVERYTHING I CAN ON MY END!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house and paid  XXXX   XXXX  the full amount of the balance due for the mortgage and the equity line of credit in   XXXX  2015.  The bank reported it as repossessed or foreclosed. I sent the  XXXX  credit reporting agencies a copy of th e HUD1  from the home sale indicating that the bank was paid in full. The credit reporting agencies did not fix it. Multiple calls to the bank were unsuccessful in correcting the situation and it has been affecting my credit f or two years  now. I am unable to get this fixed. Please help.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS!! THIS FRAUDULENT ACCOUNT HAS BEEN SENT TO COLLECTIONS ON XX/XX/year>, AND IS NOT MY ACCOUNT!!! SHE LIVES IN XXXX, I RESIDE IN XXXX XXXX! PLEASE PUT THIS ACCOUNT IN HER NAME! SHE IS THE XXXX WHO RESIDES OR RESIDED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This particular issue is with all XXXX credit unions. They have me exceeding the limit with XXXX XXXX however, this card has a XXXX balance. In fact all my credit cards are paid in full.
Product: Credit card or prepaid card

Capital One XXXX XXXX {$500.00} transfered into an installment loan against my wishes misunderstood by representative causing harm to my credit and created damages and difficulties
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an invoice from XXXX XXXX XXXX in XXXX, Florida for " Emergency Services '', indicating the service date was XX/XX/2020. During this time I was covered by health insurance with XXXX XXXX XXXX of Washington. XXXX XXXX XXXX neglected to XXXX XXXX XXXX XXXX and has reported this invoice to Transunion, XXXX, and XXXX as unpaid medical debt. This is severely affecting my credit score and has caused me to pay higher interest rates on my mortgage and car loan. I have attempted contacting them and working this out to no avail for nearly XXXX months now. Please help me. 
There are XXXX credit agencies reporting for the same date of service ( XX/XX/2020 ). One reported to XXXX is for {$1500.00} and another to XXXX XXXX for {$1100.00}, which is actually a XXXX XXXX  from the same date of service, XX/XX/2020. Neither of which have been able to provide any proof that this is actually a valid debt to begin with. They have provided no documentation with my signature or identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC has listed as an {$460.00} collection on to my credit report. I have sent a certified letter to the collection agency, asking them to provide me with my signature, proving that the debt belongs to me, or to delete this reporting from my credit report.
They failed to do that, sending me the letter on   XXXX   XXXX   2017, without my signature, saying that they will resume the collection activity. I believe that they have violated FDCPA Section 809 ( b ) FTC opinion letter Cass from  XXXX .
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that Equifax continues to ignore my requests for the removal of these items that have already been successfully removed from my XXXX credit report. 
Therefore, I am requesting again that Equifax remove these items below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Number : XXXX* Delete this account. 
XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 
3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 
9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Collections, Date reported is XX/XX/2022. Total amount is {$130.00} In accordance with the Fair credit reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

Documentation : Over XXXX and XXXX : On the course of about XXXX  months, I paid down XXXX towards my student loans from XXXX different bank accounts both the bank statements and proof of my payment history. For clarity, the money was paid from XXXX bank accounts. The first bank account was my business account ending in XXXX and a personal bank account ending in XXXX. 

On XX/XX/23 I requested to receive all of that money back for an important medical procedure. They assured me I would receive my money in XXXX  days thus XX/XX/23. 

On XX/XX/23 I received {$8400.00} dollars to the bank account ( business ) ending in XXXX. 

At that point, I called on XX/XX/23 asking for the larger amount ( about XXXX left ) and did not receive an answer. I subsequently called on XXXX various occasions and not a single person at Mohela could give me any information. At XXXX point, someone said they could see on my account has been reimbursed for {$500.00} ( not true ), and I have called and spent over XXXX hours on the phone trying to reach someone in leadership to give me routing numbers and answer where my money was. I spoke to a Supervisor named XXXX would said I would receive a call back and never did. 

On XX/XX/23 I was extremely concerned given the timeframe for the XXXX  days was ending. I called in and asked for a case number. They could not provide XXXX. They gave me a call number Case number for that days call : XXXX. On XXXX as well I provided bank statements for both bank accounts starting in XXXX providing I had received the initial. Mohela also has not acknowledged that they is an accounting issue on their end. 

On XX/XX/23 I received a message ( also attached ) from Mohela stating my issues had been resolve. 

At this point on XX/XX/23 I have heard nothing and have spent XXXX hours on the phone. I am experiencing panic attacks, not sleeping, and I am no closer to resolution. Please help me. 

XX/XX/23 Submitted Case to Student Aid.gov - case number XXXX Federal Trade Commission case number XXXX
Product: Mortgage

Good day, Back in XX/XX/2022 I was a few day late on my mortgage bill, but I have spoke to the company and we worked out a solution. They referred me to HUD and I applied for texashomeowner assistance. During the process I was in communication with them. I have spoken to a few agents and also supervisors regarding my loan and they assured me that since I'm was on an active loss mitigation that my credit would not be compromised. I explained to the company that I am XXXX XXXX and my security clearance may be taken away if my credit score drops. That when a supervisor stepped in and mention I should be fine. Therefore taking their word I trusted the company. I was still paying my monthly bill as agreed While on loss mitigation, Texas homeowner assistance was approved by the state and they paid over {$5000.00}. With that payment my account was up to date then it was transferred to a different company. I again called the loss mitigation department to insure that my credit reporting was not compromised.
Product: Credit card

I recently went on XXXX. About two weeks into hospice, Synchrony Bank closed all the credit cards I have that are backed by them : XXXX XXXX XXXX XXXX XXXX XXXX and JCPennys. They all had XXXX balances except for JCPennys, which has an autopay of {$8.00} per month for a life insurance program that I have been paying into for many years. My wife and I have had our JCPennys account since 1967. The only reason Synchrony gave for closing all these accounts is high risk of nonpayment. This makes no sense given the XXXX balances. I called and spoke to quite a few representatives of Synchrony Bank and they were all very rude and would not say more. There has been XXXX  change to my credit score and credit report. The timing is hardly coincidental. I believe there is a major HIPPA violation, not to mention life insurance fraud. I am not dead. My wife, who is on the JCPennys account is alive and well. The life insurance program that I have been paying into has magically disappeared. This is not right. Synchrony Bank employs hateful people that refuse to help.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION and XXXX the credit companies are not complying with their own policies in a timely manner.