23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX sued me over a disputed debt that they claim I owe to them via Bank of America , NA. They did let me know about the suit. I responded pro se with and answer and counter-claim. XX/XX/XXXX, they won a summary judgment against me based on my not answering their Requests during discovery. I could n't afford an attorney, could keep up, got lost in the legalese. Based on the Judgement for over XXXX, they are trying to garnishee my wages. While preparing to challenge that, I stumbled across your website and the XX/XX/XXXX Court Stipulation directing XXXX XXXX XXXX how to proceed. In my case, they have violated that agreement. In my case, they are still 1/ Intimidating consumers with deceptive court filings 2/ Introducing faulty or unsubstantiated evidence. In my case, they only had to well-worn photocopies of checks that I 'd written to Bank of American ( Not Bank of America , NA ) There was also nothing to show the chain of title from the purported " original '' debt holder to XXXX for Bank of America , NA. 

The statute of limitations on debt accounts is 4 years and 6 years on written contracts. 

This action was filed against me on XX/XX/XXXX and the order rendered XX/XX/XXXX. Both of these were beyond the 4 or six years after I had severed my relationship with Bank of America. 

I also believe that the attorneys have become " judgment collectors '' and as this is a continuation of their ill-advised and illegal practices. 

I have a hearing in the morning about garnishment of my wages based on this bogus judgment awarded based on procedure and not on evidence. 

I 'm now trying to get the summary judgment set aside ( again as pro-se. Still ca n't afford an attorney ), so that they will be forced to " prove their allegations, '' and to conform to the XX/XX/XXXX Consent Decree signed by Federal Judge XXXX XXXX. 

Any help you can give in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Drive Time  XXXX  received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES  XXXX ,  XXXX , AND  XXXX . The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment  XXXX  has yet to honor the terms of applying the payment. I am requesting that ALL (  XXXX  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.
Product: Debt collection

requested validation and they provided amounts and incorrect information. I was never alerted of this until collections
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms XXXX XXXX XXXX {$0.00} {$5000.00} Payment Info Status Paid, was a charge-off Updated on XX/XX/XXXX Past due amount - Highest balance - Monthly payment - You've made 88 % of your payments on time for this account. 

Account is still reporting as an open account under the three agencies.
Product: Mortgage

My property at XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX was sold while I was in a modification Program. I did not recieve report back on the modification before the sale the paper work was turn in on ( XXXX/XXXX/16 ) and the sale was on ( XXXX/XXXX/16 ). They said that in needed to be in senven days before the sale day. Please help me keep my home. XXXX XXXX XXXX my phone number is ( XXXX ) and cell phone is ( XXXX ) Thank : You XXXX XXXX XXXX
Product: Credit card

I have filed a credit card dispute regarding a health fitness charging my card after they have closed. I no longer have access to facilities but they are still charging my card manually. The phone number on credit card statement is no longer in service however the bank refuses to stop payment on the transactions and are forcing me to make payments even though the gym is no longer in business. The bank that I am having an issue with is Chase.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer report and identified several late payments reported on my XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX Account # XXXX ( Reported late payment dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXXXX/XX/XXXX, XXXX, XX/XX/XXXXXXXX Upon reviewing my credit report, I have discovered that these late payments are in apparent violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681a 2 ( A ) ( i ), which states : " Except as provided in paragraph ( XXXX ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Additionally, the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card or prepaid card

I sent a package XXXX months ago and I asked for copy of delivery receipt to see where package went My case number with Capital one is XXXX They sent me a letter XX/XX/XXXX to say : deal yourself with vendor case closed '' I asked XXXX to ask XXXX XXXX for delivery receipt and never received So insulting to customer with case closed, deal direct, I tried but no response with copy of delivery receipt again I ASK XXXX XXXX XXXX XXXX, send me copy receipt otherwise i want rebilled reverse credit reinstated {$85.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why the XXXX Im submitting a complaint for the fifth time. These companies are on some XXXX  XXXX until you file a complaint with the courts.I have called this credit reporting agency about reporting this account issue in XXXX, They told me they don't go by the FCRA and they have to do their own investigation. I think that is XXXX! I am a " CONSUMER '' and they are just a reporting agency. the laws were set in place to protect me and my information. They sent me a XXXX  XXXX letter saying " they verified the information as mine!!!. They are clearly violating the law. They gave a weak excuse to weasel their way out of following the law or replying to me with the real information. Im not going to keep playing games and I will have to file court papers and get paid for these violations and the stress it is causing me everyday. I shouldn't have to write these complaint letters about a collection agency reporting adverse information on my consumer report.. Yes it me XXXX XXXX XXXX and EQUIFAX AND XXXX. don't try to XXXX  XXXX your way out and send a letter saying we don't know if this is you. yes XXXX last XXXX of my social is XXXX. Delete the XXXX negative item you are reporting. Or should I spell it out ... {$1000.00} dollars for each violation. according to the FCRA. or does you company follow those laws.You couldn't!! 
Read number ( 5 ) As a matter of fact read ALL of the following... 15 USC 1681c : Requirements relating to information contained in consumer reports1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I did not give you written permission to publish this information on my report. No one nor did I give you the legal authority, you just assumed it.

So.. address the issue and delete the adverse information and don't tell people when they call in you do it your way, no you should do it according to the laws that are set in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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: Debt collection

I have an issue with zip that has been going on since XXXX. XXXX. I had major fraud on my account. This has been confirmed by the police report I submitted and also my banks investigation. I have reported this several times to zip. Every time I speak with someone they hang up. They say I still need to pay. I am a victim of fraud. And my account was closed because I was a victim.i have been a loyal customer for a few years. I can not believe I have been treated like this. Now Im getting text messages saying Im being sent to collections.
Product: Debt collection

I have tried asking to have my phone number removed, I have tried blocking my phone number. They call me continuously, won't leave voice mails, and are harassing me. I have never received written notice of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to remove one item of debt that has been removed last year. XX/XX/XXXX The account with XXXX XXXX XXXX has been resolved and has been removed from my XXXX  and XXXX  accounts since XX/XX/XXXX Yet when I contact Equifax I'm given all kinds of excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXXm XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Mortgage

We are trying to settle with Ocwen/  XXXX   XXXX  The original loan amount was $  XXXX . Due to misapplication of payments  XXXX  started foreclosure. We are trying to settle with them, CFPB talks about principle reductions but  XXXX  considers all high interest added to the original mortgage amount - principle.   We have over $ 300k in interest they want to add to the principle.     What does CFPB consider principle?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine. 

XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed incorrect accounts on my credit report this morning, and I have no clue how they appeared. When I reviewed my report, as I normally do, I found discrepancies that werent there before. I even refreshed my browser to check if it was a system error, but the accounts remained. Because of this, I am requesting a detailed review of the documents I submitted so that I can have peace of mind.
Product: Mortgage

My Daughter was about 4 months behind on her home mortgage payment. 
When I found out about it. I contacted her mortgage bank. I inquired as to the amount required to bring the loan back to current status. 
The Bank XXXX M & T Bank Correspondence Address :  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The amount on the statement was XXXX $ mailed to her. 
Talking to a XXXX XXXX from M & T Bank. He told the actual amount needed to bring the the mortgage back to current was XXXX XXXX This amount includes 4 months of back payments, plus the next month payment of XXXX $ for XXXX of XXXX. 
So I payed XXXX on XXXX XXXX XXXX by Electronic Bank to bank transfer directly from my checking account. 
Each monthly payment is XXXX XXXX 

Either Friday XXXX XXXX or Sat. XXXX XXXX my daughter gets another Mortgage statement from M & T Bank. It states she owes one back payment plus the payment for XXXX. This is not correct, because the amount to bring it to current status was already paid in full. Days earlier.
Product: Mortgage

I have an approved forebearance for Covid 19. Every month without fail I am bothered my XXXX  loss department trying to collect debt. Even though their notes show the forebearance.
Product: Debt or credit management

I signed up for an account with Kikoff credit services. I was told they would report a line of credit designed to help improve my credit score. After I paid the initial fee a new trade line showed up under Kikoff lending report a credit line of {$3500.00}. This is a blatant scam. There is no credit to speak of, you can not use it to purchase goods, services, or to borrow against or use as collateral. It is a metaphorical credit account only. I have no account number, card with my name on it, no billing statements are mailed to my home address. But in XXXX and XXXX, Kikoff reported late payments on the credit line. This is a farce! You can not report late payments on something that does not exist. For months Kikoff accepted monthly payments from me for nothing more than a few lines of computer code. When my financial situation worsened and Kikoff could no longer financially exploit me they began reporting late payments. Let me reiterate, KIKOFF NEVER EXTENDED CREDIT TO ME. It is advertised as a credit building service. Since the began reporting negative information to the CRAs my XXXX score has dropped by more than XXXX points. If the CFPB can not take action then I will pursue legal remedies.
Product: Student loan

On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT NUMBER : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : XXXX. XXXX o Account Number : XXXX
Product: Credit card

I was charged XXXX on XXXX/XXXX/15. All I have is " XXXX XXXX '' on the charge -- no ticket #, no destination, etc. I did not purchase anything from XXXX XXXX. PayPal Credit denied my fraud claim, saying the charge originated from my IP address. It simply did n't. I have filed a police report and have contacted XXXX XXXX to get more information. XXXX needs cooperation from PayPal Credit to determine who used their services, and Paypal Credit has not cooperated with me. I have an email from XXXX outlining what they need from Paypal to investigate this. I 've done all I can do. 
Also, Paypal Credit has on 3 occasions promised to send me an affidavit for me to fill out, but has failed to do so.
Product: Debt collection

Hello, Its been 6months to a year and I have not got an response from the creditor for the fraudulent debt. The company said it was verified but I would like to know who verified it. By 30 days with no response this account is suppose to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The originally lender XXXX XXXX who I initially was in debt with, sold company to Troy capital who then continued to keep the credit inquiry active when it shows the account was charged off from 2015 which is over 6 years old by now. The original lender who I was contracted and financed through aka XXXX XXXX passed this to troy capital who continues to hold this debt and injure my credit when it has been charged off for six years and solidified.
Product: Student loan

I took out a student loans in 1994. I consolidated later and my loans were no longer with Nelnet. While my loans were with Nelnet they illegally charged me a XXXX interest rate when the federal cap was XXXX. I reached out to Nelnet and they did nothing. I reached out to the Ombudsman and although she agreed what they did was in violation of Federal law, she said I had no recourse since I had consolidated my loans.
Product: Checking or savings account

Five payments totaling {$1800.00} have been sent from my Chase checking account to XXXX XXXX XXXX for payment on my XXXX  using my XXXX  account # instead of the XXXX Account #. The electronic bill payments were never posted to XXXX. I have provided the Proof of Payment printouts to XXXX. XXXX states they must have a 15 digit Trace No. in order to track receipt of the payments. Chase said there is no Trace No. or paper check available. I have disputed this with Chase, to no avail. I have conferenced called with both XXXX and Chase. I have late charges and late payments as a result. I can not produce to XXXX a Trace No. that does not exist.
Product: Credit reporting or other personal consumer reports

I called into equifax and explained to the agent that my credit report was pulled by a mortgage lender and on the report it stated I have a bankruptcy. I never filed for bankruptcy and never signed any documents for a bankruptcy. Ive sent in documents over the past two years for them to correct this problem. My last time sending in documents to verify my identity and to correct the problem was in the month of XX/XX/2023 and nothing have been updated not even my birth year. The agents I spoke to was very rude and unhelpful even the supervisors was very rude and not helpful. The last supervisor I spoke to immediately got on the phone and stated I know why youre calling and NO we cant give that to you as he was referring to a document I asked to be emailed to me. I asked if theirs a document that can be emailed to me that states theres an investigation going on with my credit file due to incorrect things on there or some type of documentation. He was very rude and didnt even want to listen to me.