23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a loan from XXXX XXXX XXXX in person located in XXXX, Wi. Shortly after I took the loan I became unable to pay them. This first started harrassing phone calls from them it got so bad I had to reach out to someone to have them quit calling me and they stopped, then they called me by phone again after they were told to stop either by your company or another consumer place I am unsure on who helped me get them to stop calling. 

So, a few years after all the calling went away I received a paper in the mail that said I could pay them off for a lesser amount then I had taken out ( a settlement offer from a company they hired to collect the debt from me ). I finally had some money to use towards debt and paid the amount offered in the settlement letter in the amount of {$210.00} I still have the document and the confirmation number as well as the person that took the payment and told me that this debt would be removed from my account within 30 days. 

About a week after I paid the debt in full as offered by the company XXXX XXXX XXXX hired to collect from me all of a sudden I started getting new amnts owed put on to my credit report from XXXX XXXX XXXX saying I wowed them XXXX plus dollars and making my credit score fall low i did a dispute and asked the credit Experian to have them remove that from my report because I have paid them in full. It was removed, less then a week later here XXXX XXXX XXXX comes again adding comments and dollar amounts to my credit report after they were told by credit Experian to remove the dollar amount this has gone on for almost 4 months because they keep adding comments and dollar amounts to my credit report my score is falling and i and my elderly mother are facing homelessness because my score keeps getting knocked down we are trying to find a place to live because my landlord has to sell his home and every single time i dispute XXXX XXXX XXXX they are told to take it down off my credit and then less then a week later that back at it again. This needs to stop and XXXX XXXX XXXX needs to be penalized I will take this matter to court if I have to I've reached out to the better business bearua, credit bureau, and the do not disturb phone line and I still keep getting harrased and threatened with dollar amount I do not owe. Total debt i owed was XXXX and I took the offer they asked the collection agency to offer me and I'm still being harrasssed. their has to be laws against this behavior especially being able to get into my credit report and contiounsly add things i have disputed this matter with the credit places XXXX, XXXX. at least 20 times... ..20 times!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've completed a dispute on Equifax 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX XXXX, I have sent a fax with information about missing details in my credit report. I have provided details to the company with proof of purchasing the house with my wife in XXXX and refinancing it in XXXX. 

I am attaching the fax sent to the company and request you to resolve this problem with BSI financial and ensure that my name appears on the mortgage information. 

Thanks
Product: Credit reporting or other personal consumer reports

I attempted many times to get Experian to remove a XXXX collection off of my account. I mailed the debt collector XXXX XXXX XXXX to provide me with proof of the debt I owed because the debt reported to my Experian credit report is incorrect. The debt that is reporting was for an amount that was taken off of my XXXX account because the phones were lost or stolen in the mail and I never received them. It is still reporting to my credit a year later. The debt collection company did not respond to me or send me any proof and therefore I contacted Experian to remove it and they have not, which violated the Fair Credit Reporting Act.
Product: Mortgage

I seek your assistance regarding the financial losses I experienced from the XXXX mortgage crisis. During this time, I lost my first and only home in New Jersey. The property was initially financed through Countrywide and acquired by Bank of America. My total losses, including the purchase price and significant upgrades to the home, are estimated to exceed {$280000.00}. 

As a XXXX XXXX with a XXXX XXXX XXXXXXXX rating, having served during XXXX XXXX, I dedicated my life to XXXX XXXX XXXX Unfortunately, during the class-action lawsuit against Bank of America , I was XXXX in XXXX XXXX XXXX which left me unaware of the timelines and processes for seeking restitution through this legal action. 
This home represented much more than a financial investment ; it was a cornerstone of my stability and independence after years of service. The loss has exacerbated my XXXX, which is a significant aspect of my service-related XXXX. I am now looking to purchase another home and would greatly benefit from recouping the funds I invested in my first property. A reasonable down payment from these recouped funds would significantly assist me in achieving this goal. 

I respectfully request that your office review my case and inform me of any state or federal programs, ongoing settlements, or legal avenues that might help me seek compensation from Bank of America. I am prepared to provide documentation to support my claim, including purchase records, receipts for home improvements, and correspondence related to the foreclosure process. 

As a citizen and a veteran, I trust your office to advocate for individuals like me affected by systemic financial misconduct. Your guidance and support in this matter would greatly benefit me.
Product: Mortgage

Pacific Union Financial by law is obligated to pay my insurance on time as long as I am not 30 days late on my payment. they are three months late on paying my insurance. Secondly, when calculating my RESPA they calculated the account wrong and by law I need to receive an initial and current RESPA analysis in writing within 30 days after initial and current calculations and have received no mailed documents at all. Thirdly, by federal law the maximum allowable escrow cushion is XXXX of total escrow in 12 months and Pacific Union Financial has more cushion than that.
Product: Credit card

I attempted to pay my past due balance of {$2100.00} on XXXX/XXXX/2016 via XXXX XXXX on my XXXX account. I was not aware that XXXX did not have a bank to bank payment option with XXXX. Thus, even though I fully attempted to pay on the due date, the payment did not post until XXXX/XXXX/2016 because of the check method, the weekend and the following holiday XXXX on XXXX/XXXX/2016. I called XXXX to resolve this issue and did not receive any help. XXXX then charged me a very large late fee and reported to the credit bureau that I was late by 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 

The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account EXXXXXXXX XXXXXXXX XXXX Collection Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX A XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX Off Account XXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Collection Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 

Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 

I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 

Thank you for your immediate attention to this matter. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Charge-off< Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

XXXX XXXX ELAN FINANCIAL which ran my credit twice in two days XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Unauthorized credit inquiries on my credit reports, I tried to dispute it with the companies but not able to, its seem any bank or agencies can run a consumer report and no one seems to care about it. 

On my transunion report XX/XX/2023 by XXXX
Product: Debt collection

I was hit by a collection agency without any written notification of what it was in reference to. The Collection Bureau Hudson Valley is not a good corporate citizen and is trying to shake down Americans who owe nothing.
Product: Vehicle loan or lease

I have vehicle loan with CitizensOne. The vehicle was traded on XX/XX/19. The dealership submitted a check for the 20 day payoff that they received from CitizensOne by phone. They sent that check on XX/XX/19 and confirmed via overnight tracking that it was received on XX/XX/19. CitizensOne also confirmed that they received this on XX/XX/19. They have been unable to accurately process the payoff. They took 11 days from the date received. To apply the payoff check and then assessed more interest. As a result the account will not close. I have called multiple times each week. Have a case open with their customer service department and if goes nowhere.
Product: Payday loan, title loan, personal loan, or advance loan

I have been a customer of crane finance since XXXX of 2023. My first loan was {$300.00} the payments were {$91.00} in XX/XX/2023 I paid off the loan successfully. On XX/XX/XXXX I took out a loan of {$300.00} the payments were {$91.00} bi weekly on XXXX  in total. I XXXX I experienced a hardship I made a payment of {$66.00} and on XX/XX/XXXX I made a payment of {$82.00}. My expenses increased and I made a partial payment of {$30.00} on XX/XX/XXXX and the XXXX payments will be {$95.00}. In total I have made a total of XXXX payments towards this loan. I am on a fixed income and I am barely making it and I am struggling to make ends meet. I would like to consider the total of payments I have made and settled the account as closed and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each bureau is responsible for ensuring that they are accurately reporting info on my credit report. Ive reached out to equifax previously and informed them that the account from child support doesnt belong to me. I even sent a letter to the address equifax is reporting is not EVEN FOR CHILDSUPPORT ITS FOR AN AGRICULTURAL COMPANY in XXXX. So anytime equifax has said theyve verified information as account theyve clearly been lying because the contact info equifax has for me to reach out is WRONG!!! Ive attached a copy of my credit report along with they letter I sent out to child support trying to get this removed from my credit because equifax is reporting inaccurate info Ive also attached a copy of my Id and social and any other info so that equifax doesnt lie and say they cant find me in systems
Product: Money transfer, virtual currency, or money service

On Tuesday, XXXX XXXX, 2017 Bank of America was used as an intermediary bank for an International Wire Transfer from the US to XXXX. The wire transfer amount is for {$15000.00}, a {$78.00} InternationaXXXX wire transfer fee was paid to the XXXX XXXX XXXX XXXXXXXX XXXX. A huge amount of emails and phone calls between us, the Students from XXXX, the Banks have take place in order for the banks to honor the wire transfer. As of today Wednesday, XXXX XXXX, 2017 the wire transfer has not been completed. The students from the XXXX XXXX XXXX XXXX have spend a great deal of time in order to solve the problem because the wire transfer has never arrive in XXXX. We have inspected all the paperwork with wire transfers instructions and there are no mistakes at all, therefore we do not understand the reasons why Bank of America is holding the funds and are not sending it to the beneficiary. We have been told by the XXXX XXXX XXXX XXXX XXXX that the funds are no longer in the student checking account and the entire amount was forward to the intermediary bank. The funds are use to paid for transportation, lodging, food, etc for the XXXX XXXX veterinary students in XXXX. The entire group of students will depart tomorrow back to the US Thursday, XXXX XXXX, 2017. They provide free veterinary services for the rural poor in the XXXX XXXX located with in XXXX XXXX.
Product: Mortgage

Equinox Home Financing Inc. continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive " No out of pocket expenses ; Minimum score of XXXX '' mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance. $ XXXX XXXX XX/XX/XXXX Balance $ XXXX XXXX XXXXXXXX. {$270.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance. {$650.00} << XXXX XX/XX/XXXX XXXX. {$1200.00} XXXX XXXX XX/XX/XXXX XXXX. {$1000.00} XXXX XXXX XXXX XX/XX/XXXX Balance. {$12000.00} XXXX XXXX- XX/XX/XXXX XXXX. {$720.00} XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, 15 US C 1681a ( 2 ) ( B ) right of exclusions and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

I SPOKE WITH SEVERAL TRANSUNION AGENTS WHO WERE UNWILLING TO ASSIST ME. I IDENTIFIED AN INQUIRY AS ONE THAT I DID NOT AUTHORIZE AND ASKED FOR IT BE IMMEDIATELY REMOVED FROM MY REPORT. THEY SAID I WOULD HAVE TO UNDERGO A RIGID PROCESS FOR THIS TO HAPPEN.

I HAVE FILED AND FTC REPORT REFLECTING THE FRAUDULENT OCCURRENCES WITH MY BANK ACCOUNTS AND MY CREDIT OVER THE PAST WEEK OR TWO. EVERY DAY SOMETHING NEW IS APPEARING.

I AM A VICTIM OF IDENTIFY THEFT IT APPEARS THROUGH AN INTERNET SCAMMER/HACKER.

PLEASE CORRECT AND REMOVE ANYTHING SUSPICIOUSLY APPEARING WITH MY BANK ACCOUNTS AND CREDIT REPORTS IMMEDIATELY INCLUDING XXXX XXXX INQUIRY.
Product: Debt collection

I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ACCOUNT # XXXX AMOUNT : {$2600.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.
Product: Credit card or prepaid card

Had a capital one bank credit card and had a hardship of losing a job and was unable to pay for 4 months but after a small time I made a {$15.00} payment and then two larger payments totaling {$220.00} and then they unexpectedly closed the account and will not reopen the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I'm going through a stressful time due to Kohls , Inc. actions. I filed an arbitration case against Kohls , Inc., which is reporting the accounts involved in this matter. Kohls , Inc. has refused to arbitrate the matter thereby violating the contractual agreement. 

I have consistently demonstrated a strong commitment to honoring my financial obligations by promptly settling my bills. I decided to automate my payments by setting up an online auto-payment system. However, to my dismay, I later discovered that this transaction had not been successfully processed. 
On the other hand, I discovered that Kohls has failed to report my complete payment history, they are missing numerous on time payments I have made. Despite my efforts to ensure that the information on my account was accurate, I discovered that Kohls had reported incorrect information to the credit bureaus. This error had a significant impact on my credit score, making it more challenging for me to obtain credit, loans, and other financial services. 
Moreover, Kohls failed to comply with the FCRA 's notice of adverse reporting requirement. I was never notified of any adverse reporting, despite the fact that there were multiple occasions where such reporting occurred. 

This issue has caused me significant stress, and it has a negative impact on my financial well-being. Specifically, my credit score plummeted by XXXX points, I had been in the process of purchasing a house. But with this sudden drop in my credit score, the mortgage lender withdrew their offer.