23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX has ruined my credit, please help me. 
My original mortgage company sold our mortgage to XXXXXXXX XXXX which was the beginning of this nightmare. I kept making my payments timely via auto debt, they kept returning them, I have all the banking documents to prove it, then they reported me to all the credit bureaus, kept trying to charge me fraudulent late fees, when all along returning my payments that I kept making in a timely manner. They kept sending me letters at home harassing me telling me that I didn't have sufficient home insurance, telling me purchase insurance from them or they would drop me for insufficient home insurance, threatening to take me to collection. it's been 1 thing another, told me I have to pay late fees although my checks were sent in timely manner but returned by them. They tried to pull my mortgage payment from my bank from some random account which my bank denied, they tried to charge me with late payment for that too. After spending endless amount of time with their incompetent customer service department they told me to pay all the late fees to stop them from further reporting me to credit bureaus, then they'll refund me all the late fees. Please help me as they are refusing take back the derogatory credit reporting, holding me liable to delinquencies. 
Never before in my life have not paid my mortgage payment on time in 30 years of my credit history, I have always paid XXXX XXXX  well over the amount due monthly for my mortgage payment until this terrible nightmare began. Please help me
Product: Debt collection

The originator of the debt is   XXXX   XXXX  . We canceled our phone and internet service with them and switched to  XXXX . They were upset, so they left the internet service on, even through we switched to a different company and then started calling saying we owed them for the internet service. We told them we canceled the service and were not going to pay. They gave us some lame excuse that we only canceled the phone service, not the internet and that we had to do that separately, so we still owe them for that service. Since that time, they have sold our " debt '' to multiple collection agency. We explain to each  one  the situation and that we were not going to pay. Most have attempted to collect anyway and called for a month o r two th en given up. The most recent company,  CFM Group , phone #  XXXX , Representative  XXXX   XXXX  has been calling at least once a week. Last week Thursday   XXXX   2017 we  told him the situation, explained to them that we are not liable nor will we pay and that owner told us to be polite, but tell them no thank you and hang up.The owner of our company, then proceeded to call   XXXX   XXXX   and informed them again of the situation, which they insisted we owe them anyways and refuse to remove us from collections. However,  XXXX   XXXX  of  the CFM Group, decided that our response was n't acceptable. So today  X/X/  2017, he c alled 5 tim es in 10 minutes. The first  3 calls wer e handled by the sales woman here. She was polite and asked him not to call then hung up. He called back immediately and hung up on her. Then called a  3rd time and  she explained that he was acting in a harassing manor and he was not allowed to do that, he was impeding our business. He said he had the right do what he was doing, because his calls were a business call to collect a business debt and the call ended. Then he called back immediately and that 's where I stepped in. I got the call, confirmed it was  XXXX  again, told him that he has called multiple times in  10 mi nutes, which he said was n't true, but I was present for all the calls, and I told him that if did n't stop harassing us I would report him. I hung up, and he called right back. That 's when I informed him I was reporting him, and he told me " Good luck with that. '' This is a clear cut example of harassment by   XXXX   XXXX  . Some of these  collectors  think everyone is not informed of their rights in regards to collection. They use this to their advantage to harass people. We understand that they have a right to call, but to call multiple times inside a short period of time and harass us is never acceptable. We would appreciate your swift action. Thank you.
Product: Student loan

After not paying a few monthly payments to my school due to a  Family  crisis. My balance with my university of {$8000.00}, was brought over to a collection agency. An additional 30 % charge was added bringing it to over {$10000.00}. Is that a correct amount of interest they can charge me? I currently live in NJ as well as the  Collection Agency  is based out of. I want to make sure I have the nessesary information before I continue paying off this loan with them.     Thank you.
Product: Student loan

I was in income driven repayment. I lost a job had a baby and called to report change to income. Loan service said they needed information regarding wife 's income so I submitted it. Nothing changed On my payment amount so I contacted them again and was told they never received it. Offered my forbearance or deferment on my loans while I resubmitted income driven repayment application. I submitted said income driven repayment application along with wife 's income documents ( pay stubs ). As of XXXX I still have not received any adjustment. My loan payment is increasing to over {$300.00} which I cant pay and will end up in default. I submitted a new application had wife cosign submitted new pay stubs from XXXX and await loan services response. That Sums up my first complaint. My second complaint is about a payment that was deducted from my bank account on XX/XX/XXXX. Ir finalized in my account XX/XX/XXXX. I never Authorized a payment be made. The money was deducted illegally without my authorization and I have sent an Email about it to Great lakes my loan servicer and haven't yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked to have my credit report with company Ncac Since last year updated on XXXX, XXXX, XXXX to reflect the correct balance of debt settle for less than. The debt was settled for {$6000.00} and Balance is {$3500.00} Each credit reporting agency keeps reporting that the information is correct and have not giving me proof of their investigation. I have also asked Ncac to provide me proof that the have the right to collect this debt with no response. I am asking that all credit agency removed this debt of my credit report since the fail provide proof of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report I encountered a few mistakes on the report. 
These are accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C.1681 Section 602A. states that I have the right to privacy.

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

I scheduled to USAA for an additional principal payment to be made on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, they incorrectly applied a part of these funds to interest instead of the full amount to my mortgage 's principal, which has also happened numerous times in the past. In XX/XX/XXXX, I filed both a CFPB and XXXX complaint on this same issue and was told " XXXX recently implemented a process that would have automatically addressed the payment issue you identified in XX/XX/XXXX. '' However, this process either was not followed or did not work on the payment I made on XX/XX/XXXX. When I called an agent to have the payments to be correctly applied, she failed to do so. I had to call a XXXX time where the new agent told me the 1st agent never took action to correct the payments. I've also requested to speak with upper levels of management to understand why this keeps happening as XXXX/USAA are incapable of appropriately servicing the mortgage, but have not heard back from anyone in either company.
Product: Debt collection

XXXX Statue of Limitation Expired as of XXXX XXXX Negative account removed from my credit. 
XXXX Portfolio Recovery Assoc starts a collection of {$2500.00} XXXX Prortfolio Recovery refused to provide original contract, all payment history of the XXXX  XXXX Account and 1099 of this debt.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX XXXX to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. 
I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. 
Summary of Discrepancies : XXXX. 
XXXX XXXX : Experian reports {$0.00}, while XXXX and XXXX report {$680.00}. 
XXXX. 
XXXX. 
Last Verified : Only XXXX reports a date ( XX/XX/XXXX ). 
Date of Last Activity : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. 
Date Opened : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ). 
XXXX. 
Balance Owed : Experian reports {$10.00}, while XXXX and XXXX report {$0.00}. 
XXXX. 
XXXX. 
Closed Date : Only XXXX reports a date ( XX/XX/XXXX ). 
Account XXXX : XXXX reports Derogatory, while XXXX and Experian report Paid. 
XXXX. 
Creditor Type : XXXX lists XXXX XXXX XXXX XXXX, while XXXX and Experian list Bank XXXX XXXX. 
XXXX. 
Creditor Remarks : Different remarks from each bureau. 
XXXX. Last Payment : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. Account XXXX : XXXX reports Secured credit card, Experian reports Credit line secured, and XXXX does not report. 
XXXX Credit Limit XXXX XXXX XXXX {$0.00}, while XXXX and Experian report {$500.00}. 
XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Product: Debt collection

they called XXXX XXXX time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Product: Student loan

I can not get ahold of Mohela to speak about my account. Their phone tree routes to dead ends and hold times are intentionally long. Any messages I send receive general auto responses or go unanswered. I believe there is fraudulent activity on my account by Mohela and they are intentionally unanswering my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED MY INITIAL DISPUTE WELL OVER 30 DAYS AGO. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS. 

FRAUDULENT ADDRESSES : XXXX XXXX XXXX. COLORADO XXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX XXXX XXXX Account Number : XXXX, Account XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX, Account XXXX XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX Account Number : XXXX, FRAUDULENT NAMES 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 PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT CURRENT OR FORMER EMPLOYER ( S ) : GOING XXXX XXXX XXXX
Product: Credit card or prepaid card

i have attached a copy of my report for this CB/Bon Ton account XXXX account. I do not owe them anything ... they shut down the store and have a mess going on with their reporting during their transition..thats on them. Ver irresponsible of them to hurt my credit score by reporting this inaccurate information..i have send them and all 3 credit bureaus letters to validate and verify this account for accuracy. How can they have conducted this thorough investigation for 100 % accurate reporting? they didnt ... .take a look at the reporting between the 3 bureaus it is all over the place ... delete this account now and do not resell this to collection agencies as then i will have to deal with this inaccuracy again
Product: Credit reporting

Hello, I have some state tax liens on my Experian credit report that need to be removed. I contacted franchise tax board in order to remove these from credit file, I was told I need to contact the credit bureau in order to remove these liens. So I contacted the Experian to dispute the errors, after I received the dispute result, I noticed the errors are still there and they are refusing to remove them from my credit file. This has caused hardship to me. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian XX/XX/2022 requesting confirmation of the accuracy of my credit profile, the letter was received by Experian XX/XX/2022 and I've yet to receive a response. According to law Experian has 30 days to reply, to date it's been 40 days since receipt of my request.
Product: Credit reporting or other personal consumer reports

TransUnion is not allowing me to dispute collection items on my report that is not mine. This is in violation of my rights
Product: Credit card

In XXXX, I was sent a credit card statement from Macys American Express that said {$300.00} was due. Upon further investigation, I found that a series of daily {$25.00} charges were made and added up to a total of {$300.00}. I called Macy 's American Express to tell them of these fraudulent charges. The company did not remove these charges and told me that I would have to send them complete a form stating to confirm that these were indeed fraudulent charges. I received the first form, which I completed and sent back. However, I received another form stating that they did n't receive the first. I sent the second form to them. I did not hear from them and assumed that they had taken care of the problem. On XXXX XXXX, I called to confirm and was told that due to my lack of response, the fraud claim was closed even though no one called me to tell me or wrote me to tell me. I discussed this with the manager and they told me that the forms were not received due to a systems update. I asked for a form to be sent and was told I would receive it within 10 business days. I checked every day and finally called after the XXXX business day only to be told that due to the systems update, forms were delayed in being sent out to me. I have called again XXXX more times only to be told to wait for these forms. In the meantime, my {$300.00} are accruing financial charges and interest fees. I would like to have Macys American Express stop giving me the run around for 4 months and just take care of these charges as I am not liable. From what they tell me, it appears that these were online transactions due to my credit card number being stolen. The card in question is still in my possession. From all my interactions with other credit card companies, they remove the charges right away. I do not understand why it has taken so long for them to do so despite my diligence in responding to them.
Product: Checking or savings account

I have a business checking account for XXXX XXXX with wells fargo. 

I sold my interest in the company to the other partner who is on the business checking account. 

I asked to be removed from the account and they told me they would not and I would have to close the account. 

I don't own the company it would not be legal for me to close the account.
Product: Credit reporting

I have reached out a number of times to Transuion, sent all supporting documents required. Drivers License, California I.D and a Bill to support the claims for the disputs, so why are they requesting me to send in these documents. I 've done so everytime, and why are they requesting 60 days when they have by law XXXX 45 days to complete an investigation?
Product: Debt collection

I disputed XXXX accounts with Experian for a note loan with account number XXXX with credit limit of XXXX from XXXX and an unsecured loan with account number XXXX with a credit limit of XXXX from XXXX XXXX. I informed Experiean that I have no knowledge of either account, Still Experian claimed that the information that is being reported is accurate adding first the comment " Account was in dispute - now resolved - reported by XXXX '' and after I disputed the account again they added " Unpaid balance reported as a loss by credit XXXX '' to my credit file. Both accounts have a opening date of XX/XX/2015 and a last payment date of XX/XX/2015 yet according to the information being reported the same account shows " OK '' in XXXX, XXXX and XXXX of 2015. This same information was dispute and deleted from both XXXX and XXXX. Nonetheless, this information is being reported is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

I am writing this letter to bring to your attention the theft of my identity on a purchase made on XX/XX/year>. I only realized this after receiving several concerning emails in XXXX. I called the bank and to my surprise they confirmed that I had an account balance for {$7500.00} from XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NY XXXX. I obtained a copy of the receipt by presenting myself at that establishment which the Police Department asked me to get in order to file the crime. They gave it to me without proof of ID, Im assuming this is the way they used my identity. Furthermore they have confirmed that what ever was purchased was not delivered to my apartment and no signature was received. I only used my Ashley/Synchrony bank card/account once several years ago at an Ashley Store with a credit limit of {$1000.00}. I have never used the card/account again or requested a limit increase. 
I need your help in this matter, applying an extended fraud alert, and removing this from my credit report. I've attached all the proof I could collect. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$390.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$9600.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$820.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$630.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$550.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Balance {$480.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$380.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has attempted to collect XXXX dollars from a cable bill from Oklahoma. They have used 3 different collection agencies and every time I get this item removed as not being mine ( identify theft ) when the new collection agency gets it I have to speak with the 3 bureaus and write to this board. I do not owe this debt and I have never lived in Oklahoma. There has to be a law against those type of harassment by XXXX XXXX and the most recent Debt collector. Originally I had also filed with the XXXX XXXX in XXXX, Florida a police report to dispute the original collection attempt.here is the name of the new agency : CONVERGENT OUTSOURCING Past Due Amount : {$1700.00}. My phone is XXXX. This has lowered my Credit score from XXXX to XXXX and you can imagine is causing me heart ache.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent inquiries to which received no benefit from.
Product: Vehicle loan or lease

On XX/XX/23 I called to get my balance and past due amount and how many days. I was told that I was 12 days late and wouldnt be reported as late if payment of {$300.00} was made on XX/XX/23. On XX/XX/23 I was reported late. Ive called several times and has gotten the run around. They lied like the call would be pulled and that I would get a call back in 24-48 hours on several occasions. On XX/XX/23 I was told that the Credit Department sent paperwork to dispute this matter and as XXXX nothing has been mailed. They give the wrong information purposely to report you late and charge crazy amount of fees. This company was sued in XXXX of this year for the same reasons. This is absolutely ridiculous and due to their company constantly giving the incorrect information my credit score has been affected.
Product: Debt collection

This debt was discharged in bankruptcy in 2015. This company Rent Recovery refuses to remove from my credit report and refuses to stop reporting. When I spoke to a rep on the phone the man said that it would not be removed until it was paid in full even though it was a discharged debt.