23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this company contacted me saying iowed a power bill from 5 years ago.so i said ok send me verification and they did, so then i asked for a settlement after i recevied the verification letter and they agree to cut it in half.so i asked the company to send me a letter stating that it was a payoff and if i payed the amount i would be free of the debt.i in turn said i do not want this against my credit so i need this resolved before it does.the company said i would recieve the letter in less than 14 days and that i had time to pay the debt before it was turned in.i called this company 3 times within a month asking for the letter or an email stating that if i paid the payoff balance that the debt was clear and no further action would be taken. well they said there system was messed is why i never recieved a letter i also gave my email address they never sent me an email so i called them today and they said that they had an error is why i never received the letter and thqat they reported me to the credit bureau they said i had to have a checking and router number on file to keep it out of collections.
Product: Credit reporting or other personal consumer reports

This is my third formal request to remove inaccurate and false information from my credit report. The Account is XXXX XXXX, account number XXXX Date opened XXXX Balance {$11000.00} which has been charged off and written off. XXXX keeps updating the balance after failing to respond to fraudulent chargers on the account. They constantly gave me the run around and wouldnt connect me to a supervisor to handle this problem. Despite my previous attempts, the inaccurate information remains, the credit bureaus have failed to respond and according to 15 U.S. Code 1681 ( e ), 15 U.S. Code 1681 ( i ) HJR 192 REMED, 1099C & 1099A, FCRA Section 611 Part ( AX1 ) FCRA Section 605 ( c ), 15 U.S. Code 1635, 15 U.S. Code 1692 is a direct violation of my rights. The continued reporting of inaccurate dates, failure to respond, reporting without consent is false information, especially the misuse of my personal information, is not only unlawful but also damaging. Theres multiple reasons this account needs to be removed not to mention if its a write off Ive never received a 1099 from. You are required by law to ensure the accuracy of all information reported, and failure to correct these inaccuracies after repeated notification is a violation of federal consumer protection laws. Closed dates and balances are inaccurate on all 3 credit bureaus. None of them are correct which is also a violation. I request this false report to be removed from my Experian, XXXX and XXXX report. Thank you in advance
Product: Mortgage

I have been reaching out to my loan services since XXXX. They filed an intent to foreclose as they claimed no payments were received since XXXX. Everytime I've tried to explain that I am not able to refinance because my records show at least 12 months with no payments, they still demanded a very large down payment before offering to work with me. They finally referred me to H.U.D and I was told they could not intervene as this was showing as unsecured debt. Now I have a Foreclosure notice from XXXX XXXX XXXX  and am asking if this can be stopped until a better resolution is found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( XXXX, XXXX and TransUnion ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Product: Debt collection

This debt was already paid and I have contacted equifax and told them that I have paid this debt five to six years ago. I also contacted the company which stated this should not be on my credit but equifax refuses to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an arrangement with Credit Acceptance starting in XXXX that I could pay a lessor amount for the month until XXXX when I sold my house. They accepted the offer. Then in XXXX I sold my house and paid the ENTIRE balance of the account. Then XX/XX/XXXX they reported the entire balance of {$13000.00} delinquent. Then on XX/XX/XXXX they reported another delinquent amount of {$310.00} giving me two hits on my credit report when the account has been paid off for almost a month. I contacted them and they said they couldn't resolve my request unless I put it in writing. So this is my request in writing to resolve the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has charged me XXXX for apparently a place that Ive never seen or stayed in I have recently disputed it and sent out letter for fraud I be contacted the debt company and they have treat terrible calling me a liar and all types of names when Ive told them this is fraud and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card or prepaid card

I filed a complaint and spoken with this company over and over but I didnt submit the supporting docs with my complaint to you all last time and theyre ( FIRST PROGRESS ) saying that I didnt send them a police report to there company which I did and I also let them know that I was a victim of identity theft back in XX/XX/ and to let them know that the address they have on file for the credit card hasnt belonged to me in over 5 years also when I contacted with them about it on the phone they spoke in a very rudely manner with me and said there is nothing that they can do about it.
Product: Debt collection

My name is    XXXX   XXXX    and   XXXX   XXXX   XXXX   Is trying to collect the amount owed of {$1300.00}. I have never disputed owing the money however.   This collection agency has taken over the  Capital one  account. In    XXXX   XXXX  .  They were told my father passed away. I told them I lost my house do to my father 's reverse mortgage. Lost my business. and was unable to pay. they put me on a debt forgiveness due to hardship and did a charge off and hit my credit. which is fine. but now they are trying to restart an old debt. Which I do not feel is fair. I 'm am tired of the constant harassment by this fraud company. And I want it stopped immediately! I am not working so there is no way possible I can pay it back.They will get nothing.
Product: Debt or credit management

Entered into a contract for XXXX  years with Bank of America. The XXXX  was XXXX  but we recovered it and paid all our fees and caught up. The XXXX  was returned and we processed to make every payment on time for the last XXXX years. Our note on the loan was paid in full in spring of 2025. Per our contract. Bank of America added over XXXX in fees which we have tried endless to understand. When we recovered the XXXX  we paid them approximately XXXX to get it back and current. We just need help
Product: Student loan

On XXXX XXXX, 2023, I received a statement showing XXXX ( and below ) eligible PSLF payments. In XX/XX/ 2023, MOHELA placed all borrowers on an administrative forbearance. It was stated that we would receive credit for this period and this has not been updated. Additionally, after the administrative forbearance ended, my eligible PSLF payments were incorrect showing only XXXX ( and below ) eligible PSLF payments. I contacted MOHELA several times about this issue. In XXXX, I received a response stating the number of eligible PSLF payments were initially counted incorrectly. It is apparent that this is an issue on MOHELA 's end. Regardless of how the payments were counted, I would like my eligible PSLF payments to reflect the original number of eligible payments. This is not an error on my end and would like to receive proper credit for eligible PSLF payments.
Product: Student loan

I submitted a consolidation application for my Direct loans so that I would get payment counts increased from payments made from XXXX under the PSLF waiver. I nearly backed out of my consolidation as a result of the letter I received on XX/XX/XXXX saying that I would lose credit for the nearly 70 payments I already had ( without the additional 4 years of payments that will be added with the waiver ) toward PSLF. I still went through with the consolidation but my payment counts have still not been updated. ( FedLoan is the loan company. ) My previously approved employer still hasn't been updated either but I believe that is through the FSA but FedLoan will not review my PSLF application without the employer being approved ( even though my employer has been approved for the last 3 years. ) Ironically, they have the auxiliary department ( non-profit arm of the hospital ) approved in the help tool but not the actual hospital which is city-owned. Once these payments are counted, I will be very near forgiveness if not completely forgiven. I submitted ECF forms in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none have been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX  , I was checking my credit report and saw a hard inquiry from   XXXX    (    XXXX   XXXX   XXXX   XXXX   )  Last Reported by Equifax  XXXX   XXXX ,   XXXX  . I did not apply for a credit card from  XXXX  or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my credit score better and do not need companies do hard inquiries into my credit history without my permission.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a car loan in XX/XX/2017, and the dealership rate shopped me. One particular financing company, Gateway One, ran my credit twice in 2 days ( XX/XX/17 and XX/XX/17 ) but the 2nd inquiry was not authorized. I contacted Gateway One directly already, and they were extremely rude. 

I also contacted XXXX, and after multiple phone calls, I was routed to the US Special Handling Division in Pennsylvania, where a supervisor proceeded to tell me that as this was an inquiry, it was a statement of fact, and it was not their responsibility to investigate and that I needed to contact the creditor to request removal. I stated that I knew my rights under the law, and that they had a responsibility to investigate, and they still refused. I asked for the department that oversaw theirs, and was given a phone number to the Executive Resolution Center. 

Additionally, XXXX only allows consumers to submit supporting documents via the web or postal mail, and doesn't offer a fax option, and the majority of the time the web option has severe issues. On top of that, they only allow consumers to have a single dispute open at any given time.
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 719XXXX has me at a score around 590. 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 n 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 XXXX 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 XXXXThis 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I am disputing a charge-off reported by Volkswagen Credit on my credit report. I was never provided a 1099-C form for this debt, as required by law. This omission raises questions about the accuracy and validity of the reporting.

Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into this matter. If the creditor can not provide proof of issuing a 1099-C or proper documentation, I ask for the charge-off to be removed from my credit report.

Thank you for your attention to this matter. 

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

i have gotten a copy of my credit report. i have seen two hard inquiries on my credit report that was not authorized by me. XXXX XXXX XXXX XXXX XXXX 
i did not give any concern. they illegally violate my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

XXXX : current status is listed as Charged Off as bad debt 1 late payment reported for XX/XX/2017 XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XXXX & XX/XX/2017 Experian : current status is listed as Transferred to another lender 6 late payments reported for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2017 Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I need my account unrestricted with Zelle I didnt do nothing to get it restricted I contacted my bank they told me its is on Zelle side not the bank they couldnt help me to get it unrestricted please unrestricted for me my account email is XXXX and phone number is XXXX on my account I have call Zelle at XXXX but they couldnt help me to please unblock my access and unrestricted I didnt do nothing to get it restricted etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payments remove now!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX These late XXXX must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. 
I have been disputing these items since the pandemic and have reported these errors to XXXX, Transunion, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX  where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. 
Thank you XXXX XXXX
Product: Debt collection

Please see complaint CFPB # XXXX. This is in regards to that. 

The company gave me payoff, I sent in a check for payoff which is XXXX. They tried to cash for XXXX. I made a complaint and they assured me that if we sent it in again in another check, which we did that day on XX/XX/XXXX that they would back date to XX/XX/2023 so that we wouldn't owe any kind of fees. The check has been cashed. Now they are trying to tell me we owe an additional XXXX dollars and interest. When we tried to explain everything to them, they just kept saying you owe this amount still. It was the companies error not ours! 

I was given payoff on XXXX different occasions and on the second occasion they assured me that as long as they received the check we would not be charged any additional fees. 

This is feeling like a scam from this company.
Product: Debt collection

This is not a ligament claim for a wellness.program as they are claiming. That was paid in full they took all payment on my credit card which they had on file with my permission to do only, but a bill for vet. services that resulted in a loss of a pet during XXXX due to over satiation thus XXXX procedure. What they are trying to collect now is the main vet. bill. 
Procedure took place in XXXX 2014 and is just now being addressed on my credit as outstanding debt/collection not valid collection. 
This matter needs further investigating. 
Please advise a.s.a.p. as to what is being done. 
I have already put in a dispute and have not heard anything as of yet on this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I damaged my ReliaCard and I ordered a new one. Soon after, I got logged out of my account and I couldnt use my card online. Then, when I finally got my replacement card, it still wasnt working anywhere. I contacted ReliaCard and the PA Treasury. ReliaCard states that the problem is not on their end, and when I tried to call the PA Treasury, they said they dont know when Ill be able to use my card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXXXXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

They're trying to collect a debt I dont have a contract with them I dont agree to this debt. I never sign a contract with them. I disagree to there response to my complaint.
Product: Credit reporting

I disputed XXXX credit inquiries. While co-signing for a car for my son who is in the XXXX - I was under the impression that my credit would be pulled by the dealer that the car was being bought at ( XXXX XXXX in XXXX, NC ). Next thing I know - there are XXXX other inquiries on my report.