23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loandepot.com ... They continue calling me. I've asked them repeatedly to stop calling and take my name off their list and they refused. They are calling from+XXXX XXXX
Product: Debt collection

Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, the XXXX XXXX XXXX  approved my application for discharge of my federal student loans based on my status as Total and Permanent XXXX as granted by the XXXX XXXX XXXX XXXX 

On XX/XX/year>, my TransUnion XXXX XXXX was reduced XXXX points due to " XXXX XXXX XXXX XXXX XXXX account has become 120 Days Late '' reported for each of my XXXX XXXX accounts ( XXXX ). Also on this date : " XXXXXXXX XXXX XXXX XXXX XXXXXXXX account balance decreased '' ( XXXX ), and " XXXX XXXX XXXX XXXX XXXXXXXX account was closed '' ( XXXX ) were noted in TransUnion. 

Each of my student loan accounts were paid as agreed and had no delinquent balances or late payments XXXX days when they were XXXX. 

On XX/XX/year>, I contacted XXXX assuming XXXX reported the accounts > 120 days late. XXXX indicated that no derogatory reports were made to any of the reporting agencies and that I should contact each impacted agency and request reviews. 

I have twice submitted an error report for each of the five XXXX accounts without resolve. This has also impacted my XXXX score.
Product: Mortgage

Nationstar Mortgage assessed late fees and penalties for two months to the mortgage loan although they are authorized to debit the funds from my banking account. They are currently charging me late fees for XX/XX/XXXX when the payment is not due until XXXX/XXXX/16.
Product: Mortgage

I have a mortgage with Wells Fargo Bank and I believe they are not processing my payments upon receipt. I tried to get a home loan in another state where I now live and the lender said that wells fargo reported me 11 times for being 30 days or more late on my mortgage in the past year which has affected the opportunity to buy a home in my new state. I spoke with a wells fargo rep who reviewed my payment history and confirmed that I have not been more than 30 days late in the past year but refused to write a letter stating this for the lender I am trying to work with here in my new state. I then went into the Wells Fargo mortgage web site to look at my payment history over the past year from XX/XX/2018 to the present and the only payments showing in the history are for XX/XX/18 then it jumps to my XX/XX/18 payment and no payments in between. I believe wells fargo is not giving accurate information to the credit reporting agency and they have not been immediately applying the funds I pay to my mortgage account in a timely fashion so as to cause my payment to be late thereby charging me a late fee. I am requesting a full investigation into wells fargo 's management of my mortgage account. Thanking you in advance. 

XXXX XXXX
Product: Debt collection

Statue of limitation to collect debt has expired. Debt is over 7 yrs and according to NC Law the debt collectors only had 3 yrs to collect on the debt. The statute of limitations on debt in North Carolina is three years, according to N.C.G.S. 1-52 ( 1 ).
Product: Debt collection

XXXX XXXX  has been attempting to collect a debt in amount of {$770.00}. The account ending in ( # XXXX ) on my XXXX and XXXX accounts. Date assigned XX/XX/year>. I've contacted this collection agency due to me being aware of it and that I didn't open the account. They told me the debt owed is {$73000.00}. I requested original documentation to verify i am responsible for this account. The have not done so.
Product: Debt collection

When I closed my account with XXXX in XXXX, I paid them the total due upon closing and they guaranteed that was the final bill, even though it was double my monthly for some long winded reason, I paid it, just to close the account. A few months later they showed this new amount still owing {$110.00} which I have no record or recollection of. This is plain extortion by big corporations like XXXX, holding people 's credit hostage for unjustified and fake collections. This should be removed from my credit report or copy me on the original date and itemized bill for this amount as this is NOT from XXXX, not even close!!!
Product: Credit card

I thought this issue was resolved. I cancelled my credit card with Bank of America, but they soon sent me another one ending in XXXX. I did not request it or activate it. Instead I cut it up and discarded it. Yesterday, I got an unsigned letter from Bank of America telling me they reduced my credit rating, issued me a credit line of {$500.00} due to delinquency on an account or payments on an account that were insufficient. The problem here is that I have NO active account with Bank of America. I have none of their credit cards, no loans, no debt whatsoever. I feel I 'm being harassed and punished for NOT activating their unrequested credit card. 
How do I restore my good credit and get Bank of America to leave me alone?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of finding a new apartment. My current lease ends at the end of this month. I've recently found a new apartment ; however, the new leasing office ( XXXX ) has been unable to pull my XXXX credit report, after various attempts. The leasing office receives an error telling me to contact XXXX. I've been calling XXXX numerous times a day over the past week, but they continue to quickly tell me that my file is not locked and that there shouldn't be any issue. The apartment is being held for 7 days, but I need to get this resolved ASAP or I may end up without a place to stay..The leasing office is using a company Core Logic to pull the credit report. I've confirmed that they are submitting my information correctly, but still it returns that it is unable to pull my XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 us 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I represent XXXX XXXX, who is currently in litigation with the US treasury. We have sent multiple cease and desist letters and told Nelnet to stop contacting XXXX while we prepare a complaint against them for a host of consumer protection violations. They began calling again on XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of an erroneous account reported by XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX from my credit report. Despite my numerous attempts to resolve this issue over the past year through multiple disputes, XXXX ( DPT EDXXXX ) has consistently failed to produce the original promissory note and instrument of indebtedness that validates this alleged debt. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and integrity of the information included in consumer reports. Specifically, under 15 U.S.C. 1681i, credit bureaus must reinvestigate the accuracy of the disputed information, and if the information can not be verified, it must be deleted. XXXX  inability to provide the necessary documentation to substantiate this debt clearly indicates that this account is unverifiable and thus must be removed.

The failure to provide a promissory note and original instrument of indebtedness also contravenes the provisions under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear documentation and transparency of loan agreements. The absence of these critical documents raises substantial doubt about the legitimacy of the reported debt. 

Furthermore, the Federal Trade Commission ( FTC ) has repeatedly affirmed in various rulings that credit reporting agencies must delete unverifiable information. In the landmark case of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court underscored the necessity of credit bureaus conducting a reasonable reinvestigation into disputed debts. The court ruled that failure to perform such an investigation or to correct inaccuracies constitutes a violation of the FCRA. This case sets a clear precedent for the requirement to remove unverifiable accounts, such as the one in question. 

Moreover, the case of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), further emphasizes that consumers are entitled to accurate credit reporting and that credit reporting agencies must take action to correct or delete unverifiable information from their reports. 

Given these legal precedents and the clear violation of federal law, I demand the immediate deletion of the disputed account from my credit report. I request that you provide written confirmation of the removal within 30 days of receipt of this letter. Failure to comply will leave me no choice but to escalate this matter by filing complaints with the FTC and possibly pursuing legal action for damages resulting from this negligent reporting. 

For your convenience, I have also included copies of my identification and recent credit reports showing the disputed account. I trust that you will handle this matter with the urgency and seriousness it deserves. Thank you for your prompt attention to this issue.
Product: Credit card

My husband and I applied jointly for a Discover card. When the card came it was only a card for him when I called discover to see where my card was they said that I was n't on the account. The same week my unwed daughter applied for one an was denied, they wanted her to apply jointly with someone. My son also applied, he is in debt up to his eyeballs with school loans, was approved an sent a card. I feel that my daughter and I was discriminated against because we are female. Since the XXXX males in the house received credit cards. My daughter an I both have good credit ; mine is actually better than my husband 's.
Product: Debt collection

Yesterday I received a call on my work phone from a private number at XXXX XXXX. I had another call at XXXX XXXX  ( again restricted ), XXXX XXXX, and XXXX XXXX from XXXX XXXX XXXX. They violated the Fair Credit Collection rules and are now harassing me at my place of work. I am making a formal complaint regarding their actions. They can not, according to the Fair Debt Collection Practices Act : a ) call me at work ; b ) threat or harass me ; c ) falsely claim legal action can be taken again me ; d ) contact me anonymously ; or e ) contact me after I specifically direct you not to. 

The person who contact me anonymously on XX/XX/2019 at XXXX XXXX EST was unprofessional, rude, harassing, threatening, commented negatively on my character, and provided legal information that was inaccurate in an attempt to scare me into paying a debt that I have already paid. She indicated that this call was recorded but did not provide me with her full name, ID number, or contact information. If I were you folks, I would pull up the recording and listen to it she was seriously over the line, unprofessional, inappropriate, harassing, and quite frankly, rude and wrong. I have paid the debt to Capital One and informed her of such but she was really, really obnoxious. I finally told her to have a nice day and hung up but they are still calling.
Product: Debt collection

On XX/XX/XXXX I received a call from Capital Accounts LLC threatening to report a {$300.00} debt to the credit bureaus within 3 business days if I did not pay the balance. I had not received any written notice of this debt. When speaking to the rep I replied that I do not owe the debt and there is a 30 day due diligence process before submitting a debt to the credit bureaus. I asked that they please send any communication regarding this debt in writing via mail in which I never received anything via mail. On XX/XX/XXXX received notification that my credit score had dropped by 56 to 72 points. This debt was reported on all 3 credit bureaus. Each month Capital Accounts LLC illegally reports this collection account to the credit bureaus increasing the balance by {$3.00} to {$5.00} dollars a month which decreases my credit score every month. The collection was {$310.00} in XX/XX/XXXX and it was increased on XX/XX/XXXX to {$310.00}. Collection accounts are not supposed to increase or report every month and I do not owe this debt. This company is illegally reporting this debt and they are not registered with the Secretary of State of California to collect in California.
Product: Payday loan, title loan, or personal loan

I fell behind on my loan with Toledo Finance after having my loan there for some time and even re-financing it a couple of times. They do this to keep you in the loan. I was receiving daily phone calls from the office. They were leaving rude and threatening messages and a couple of times even left the amount that I owe on my voice mail. The voice mail on my phone only id 's the phone number and it is illegal for them to leave this type of information on a voice mail. I first sent a certified letter to stop the calls. I then sent an intent to sue letter to both the office where I obtained the loan and the corporate office. I got a response back stating that they would stop the calls but I will still obligated to pay the loan. 
In the letter of intent to sue I asked that my loan showed paid in full and all negative history corrected on my credit report. 
They had several violations of the FDCPA. Repeated calls and voice mails, threatening voice mails but the topper was when the rep left a voice mail with the amount that I was past due and that is a clear violation of the FDCPA. I could have sued them through my attorney but tried to work it out with them and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said on its XX/XX/2021 Fico score report that I had NO balances or never used my credit cards from later part of XX/XX/2021 to first few weeks in XX/XX/2021. Why can`t these people do any right. I have been fighting with experian for going on over 2 years cause they can`t do anything correct. I have my proof ( as usual ) to say I did indeed use my credit cards PLUS I did have a balance on my XXXX credit card which experian REFUSED to acknowledge. I am starting to believe that they are a republican back scam artists to help the almighty banks make more and more money with lowering lots of innocent hard working americans Fico scores so the poor XXXX will pay more for loans. I watch experian people every month to make sure they DON`T XXXX up my account. Just think about ALL THE MILLIONS AND MILLIONS OF HARD WORKING AMERICANS that DON`T watch their Fico score.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized actions taken by Alley Bank in relation to my business account. My name is XXXX XXXX XXXX XXXX XXXX, and I am the sole proprietor of XXXX XXXX XXXX, which is a limited partner with XXXX XXXX XXXX. I recently discovered that Alley Bank had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX. Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. Considering these circumstances, I have sought legal counsel and have retained the services of Attorney XXXX XXXX to address this matter. I am hereby requesting that Alley Bank rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified hard inquires accounts : US SM BUSINESS ADMINISTRATION ODA XXXX XXXX XXXX XXXX XXXX XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ga XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I will list the correct spelling of my name there are multiple name spellings as well those also need to be removed and are not accurate.
Product: Debt collection

I have a collections for {$1100.00} from a collection agency that never sent the collection notice. The original creditor is XXXX XXXX. I have no idea how they arrived at the amount. They can not prove they sent an invoice or collection letter for me to respond to. I believe this is a violation of the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent an accidental payment in the amount of {$1200.00}. I intended to make a request for payment. After attempting to get my money back from the person it was accidentally sent to without luck, I contacted Venmo on XX/XX/XXXX. I notified them in writing of the accidental transfer and attempts to get my money back from the person. Venmo stated that I was for all intents and purposes " XXXX out of luck ''. They said there is nothing that they can do for me and I have to take it up with the person that the funds were accidentally sent to. 

I have an extensive history of sending this person requests for the funds over the last two years as he owes me for a loan in that amount. Clearly, based on that and messages I sent to the individual starting the morning of XX/XX/2022. XXXX individual promised multiple times that he would return the funds. I sent screen shots of these promises to Venmo and was told again that the only recourse I had was to pursue getting my money back from the individual account holder and that they could only take action if given express authority from the account holder. 

I sent Venmo the rules for Regulation E 11 days ago and have received zero response from them. The recipient refunded {$300.00} of the accidental funds but has not refunded anything else. He keeps stating he will send the money back as soon as whatever made up crisis of the day is and then doesn't respond again until I hammer him with messages. He has no intent of paying back the original loan or returning the remainder of the funds sent in error. Venmo will not assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filled, in person, a job application to work with XXXX XXXX XXXX XXXX, base at XXXX XXXX XXXX XXXX XXXX, IN XXXX, at the XXXX XXXX in XXXX  Florida. I consented for a background check. A week later, I received a letter from First Advantage XXXX XXXX XXXX XXXX XXXX, iN XXXX. In their Letter they said I have a criminal record dating to XX/XX/XXXX that I was sentence to a XXXX XXXX XXXX. Letter was dated XX/XX/XXXX the date after I applied.I have never been arrested, never been in trouble with the authorities And never been on XXXX. This record is false, I dont know what is the purpose of this, or the meaning. If this is a tactic utilized by XXXX XXXX XXXX XXXX to denigned employment shame on them this need to stop. I need your help because I dont want them to forward erroneous information to my future employer.

I contacted them, ( First Advantage ) they couldnt give me any information of who gave them this information or why or what was in the report. All he was interested was getting my social security. I assumed that XXXX XXXX XXXX XXXX, provided them with this information.I was told to contact The XXXX  Court System. I went in person to get a copy of my criminal record they couldnt find anything not civil, no criminal, no probation, nothing. there wasnt any record. When I showed them the letter send by First Advantage, I was informed that this letter is a fake, fraud, the case number mentioned in the letter is non existent thats not the format use by the court systems. Im very concern, upset and confused by the way the private information I gave XXXX XXXX XXXX  was used.