23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called Genesis Credit about a collections that showed up on my credit report from an apartment my wife and I rented 4 years ago and we have an XXXX XXXX XXXX dog. I requested proof of ownership of the debt, itemization of charges, pictures, and original lease from landlord. The guy was debating the charges with me and saying there was no pictures and than later he told me a year earlier they sent me pictures with an email. He told me they do not send document in mail, only by email. I busted him for lying and he became abusive and basically called me a child and he told me he refused to send me any documents I requested and to call him back when I grow up and hung up. 
I did receive a charge document with a lease document that afternoon. The charge document ony has my wifes name on it and it is not signed by the manager. Also the Charges document was made the very next day after we moved out for carpet repair, paint repair, and for cleaning. How they got all that done and invoices made in one day is incredible. Contractors are usually very slow. Kudos to them for one day service. 
The lease contract they presented to me does not have mine and my wifes signature on it, nor our initials on it. Its a forgery. Nor does it have our dog on the lease, it doesnt show our pet rent, our non returnable pet deposit, its a complete fake. Whover made it up didnt know we have a dog in our household, who is a service dog. 
They are not responding to my emails, I am calling them and they are verbally abusive,, not sure what to do.
Product: Student loan

I have contacted my loan servicer, XXXX, four times regarding a billing error and they have refused to correct it or offer any assistance. 

I am new to Mohela. I was transferred from XXXX last month. 

For years, I was on the XXXX plan with XXXX and never had any problems. My monthly payment was {$58.00}. I received my final statement from XXXX confirming this amount on XX/XX/XXXX with a due date of XX/XX/XXXX. My account with them was on autopay and had been for many years. Prior to my due date, I also verified that I was not due for recertification until XX/XX/XXXX per both XXXX and XXXX. 

On XX/XX/XXXX I received an email from Mohela saying my loans had been transferred to Mohela. That email stated the following " This change in servicer will not impact the existing terms, conditions, interest rate or available repayment plans of your federal student loans. Your full account details should be available no later than 10 business days after the loan transfer date included in the transfer notification sent from your other loan servicer. '' I never received any statement or mailed correspondence from Mohela notifying me of the amount due prior to my due date. 

On XX/XX/XXXX I was notified by my bank that my checking account was overdrawn. My autopay information had been transferred from XXXX to Mohela, but instead of deducting the {$58.00} owed, Mohela deducted {$1100.00}. I incurred two overdraft fees due to their error. 

On XX/XX/XXXX, I called Mohela several times and waited on hold for hours. When I finally reached someone that evening, the representative told me she would look into it. She placed me on hold multiple times and eventually came back saying she could " see no reason '' that my payment amount was changed. She also couldn't figure out how to reinstate my old XXXX plan without a new application and certification. She said she would refund the {$1100.00} to my checking account and that I would need to apply for a new repayment plan. 

I finally received my first statement from Mohela on XX/XX/XXXX, showing a payment due of {$1100.00}, due on XXXX. I still have not received an XXXX statement explaining the change in loan terms. 

As of XX/XX/XXXX, it has been an entire week since I was told my payment would be refunded and I still have not received my refund. I called again this morning to look into it and the new representative stated she could not see any refund pending for me and kept placing me on hold. She also could not tell me why my payment amount changed. I was at work and had to end the call. I called back during my lunch break and waited XXXX minutes to speak to someone. That person informed me refunds take 60 days. She would do nothing to put me back on the payment plan I was already on and told me I owe {$1100.00} on XXXX. She told me she could put my account in deferment, but that no months during that time would count toward XXXX. When I asked what my alternative was she placed me on hold and she then disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received an email alert of FICO decreased from Experian Credit Company. I opened up my email this is what was found : XXXX XXXX Poor Fair Good XXXX - XXXX Very Good Exceptional XXXX XXXX pts Learn more Experian data XX/XX/XXXX I reached out to Experian about why my score has dropped on XX/XX/XXXX and still no reply back. The reason for the decrease was because of low credit usage. I don't have to use my credit cards! I worked hard on my credit! This company keeps playing with my credit scores and I'm very upset! XXXX  and XXXX XXXX are great! This company needs to be investigated immediately!
Product: Credit reporting or other personal consumer reports

I have already tried to dispute these several account with the credit bureaus but they're a not doing their job. I haven't received any proof regarding their information they are inaccurately and negatively reporting on my credit reporting file for these accounts. This is very fusturating because I know for a fact they are violating FCRA laws and Metro 2 compliance standards. I have challenged these items time after time and still they are harming my credit reporting. I need them to do a proper investigation and remove all information that is not correct and provide me with physical proof. These are the accounts listed below I have attached my credit report and letters XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX  - Account # : XXXX XXXX  XXXX - Account # : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Debt collection

I recently submitted XXXX XXXX XXXX XXXX, Police Reports and other supporting documents in regards to disputing a named creditor XXXX XXXX  that EQUIFAX is wrongfully and and inaccurately. And when I phoned in I was told that there were no documents received. Under Arizona State Statutes I am protected against early termination of lease due to XXXX XXXX my daughter have been victimized for the last XXXX  years by the same person hes follow us. We are now homeless due to this inaccurate charge reporting on my credit. I would like this creditor removed immediately. This is totally against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a XXXX bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX XXXX and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a balance of approximately {$3000.00}. I have consistently made payments that are not reflected in the account balance. In other words, I have made regular monthly payments however, the account balance never goes down. I have contacted Macy 's customer services and frequently get a representative who barely understands English and have difficulty understanding me or me understanding them. This has been extremely frustrating and disappointing. 
There are also items that I have reported to Macy 's as fraudulent but, they have not been removed. I closed this account over a year ago and have consistently made payments and the account balance barely moves and I have paid several thousands of dollars. The reason that I have continued to make payments is out of fear of receiving a bad credit rating.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to an incorrect item on my credit report. It has been well over 30 days, and I haven't received any investigation results. The company in play Experian, failed to delete the following items that are not mine. Failing to comply with US code 1681I. This account is not metro to compliant. It should have been deleting for not following the industry standards. Required to maintain maximum, possible accuracy.
Product: Checking or savings account

On XX/XX/2023 my debit card information was used fraudulently to pay for a hotel room. The charge was for {$460.00}. I filed a dispute. Was issued a provisional credit for the amount. Now the bank has reversed the credit, and tell me to contact the merchant. The merchant is telling me to contact the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in XXXX dated the XXXX requesting XXXX, Equifax, and XXXX  as follows ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract/Application with my Signature on it, Pay off Disclosure, Interest rate disclosure, Balance History, Payment History and Credit Insurance ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. ) The only response I got was generic and stated account verified however there was none of the previous documents I requested where attached. I then followed up with a second letter stating in XXXX dated the XXXX XXXX which request the following ( Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ) Still to no avail this time there was no response It is no XXXX the XXXX and I am still struggling with these same unverified and therefore unlawfully placed accounts on my credit report please assist me in making XXXX, Equifax, and XXXX  follow the law and promptly remove the items I attached in the letters
Product: Mortgage

I own a condominium and my HOA pays for the homeowners insurance. I have a mortgage with Rushmore Loan Management Services , LLC. On XX/XX/XXXX Rushmore sent me a letter requesting a copy of my condominium master insurance policy. On XX/XX/XXXX I sent them a copy by fax ( 3 times ) and by mail of this insurance policy and also my HOA sent them a copy. On XX/XX/XXXX I call Rushmore to follow up and they confirmed receipt of insurance policy, they told me they got it. 
This corrupt and fraudulent company, Rushmore, keeps sending me letters requesting this same insurance policy and is harassing me saying that they will buy insurance and I have to pay them {$690.00} because they have not received the copy of my HOA master insurance policy. On XX/XX/XXXX I just got another letter with the same harassing words demanding proof of insurance or to pay them {$690.00}. On XX/XX/XXXX I call them to find out what is going on and they put me on hold for hours, then transfer me from person to person, then they just hung up. 
This has been happening with this company every year, and I have no choice but to seek for help with the CFPB.
Product: Debt collection

I disputed a collection account from Stellar recovery regarding XXXX. When I had XXXX, I called multiple times telling them my service kept going out and they never could the fix the problem so I canceled my service and the technician said they would not charge me and fees related to early termination of my contract- The last time I called to get this resolved dish wanted to send me a XXXX check which I refused. I disputed this with XXXX and XXXX and the item was removed from my credit report. However, XXXX will not remove it after I have disputed with them twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Indigo Credit Card or ( Genesis Card Services ) customer service representative suprevisor told me over the phone that Indigo ( Genesis Card Services ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of Indigo Credit card ( Genesis Card Services ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and Indigo Credit Card ( Genesis Card Services ) but to no avail.
Product: Debt collection

this is a XXXX XXXX card account, XXXX  XXXX  is handling it for XXXX  XXXX  their tactics are aggressive, they email, and threaten that it is a strong possibility that a attorney will be involved if you do not respond to them asap. I have uploaded proof of their constant emails, I never gave them my email, as you can see the abundance of emails they send, with the threat of a strong possibility of a a attorney in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not Convergent Outsourcing with My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with Convergent Outsourcing to attempt to collect a debt from me. 

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form. 
I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action. 

Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop. 

I dont have a written contract with your company to collect this debt and you have violated my rights for years. 

Please cease and desist all calls and contact with me, immediately! 

I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!
Product: Payday loan, title loan, or personal loan

I received a phone call 3 years ago stating I had a loan with XXXX XXXX for {$750.00}. I explained to them I had never applied for a loan with them. They informed me I didn't apply that they mailed me a check for {$750.00} to an old address and someone signed it cashed it so now I owe a balance. I reported this as fraud and informed them in writing that I didn't live at the address or sign a check from them. I also requested the item be remove from my credit report verbally and in writing. As of today it's still on my report and I have been going through this for 3 years. Please help me resolve the fraudulent account.
Product: Debt collection

XXXX XXXX XXXX XXXX have put a collections account on my credit report that is not mine, " Sunrise Credit/XXXX '' accuse me of being responsible for a XXXX $ debt from XX/XX/XXXX XXXX i have no knowledge of this account and I'm afraid it was opened fraudulently. 
U.S Code 1681-2a states " a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft ... '' I am the victim of identity theft! Please delete these accounts at hand immediately. 
These accounts should not be furnished on my consumer report as they are in violation!!! Under 15 UCC Code 1681b- Permissible purpose of consumer reports ( a ) In general subject to sec ( c ) any consumer reporting agency may furnish consumer report under the following circumstances & no other : ( 2 ). In accordance with the written instruction of the consumer of whom it relates. 
I never gave any consumer reporting agency " Written Consent '' to report anything on my consumer report which violates my rights as a fedraly protected consumer. No Consent Is IDENTITY THEFT. As a consumer i am demanding the deletion of the account mentioned above immediately.
Product: Debt collection

I have tried numerous times trying to contact this collection agency Commonwealth Financial. This company has placed 2 medical debts on my credit reports that do not belong to me. I previously disputed these same accounts and completed a fraud affidavit. The accounts were removed and now this collection agency has placed them back on there.
Product: Credit card or prepaid card

On XX/XX/XXXX my Citi Card was physically stolen from my car and used to make an unauthorized purchase at a local XXXX store of {$990.00} the same day ( XX/XX/XXXX ). I promptly notified Citi that the card had been stolen and disputed the {$990.00} charge as fraudulent. I also filed a police report with the local police department ( XXXX County ). Citi closed the card down and after some delay issued a {$990.00} credit while they investigated the incident. 

During the first week of XXXX I was contacted by a Citi representative who inquired about charges made at the same XXXX in XX/XX/XXXX. This was of course long before my card was stolen and as such I told them the charges from XX/XX/XXXX were fine. The {$990.00} charge from XX/XX/XXXX was the only charge I was disputing, since that was the charge made with my card after it was stolen. 

Following this conversation I was stunned to receive a notice from Citi dated XX/XX/XXXX, which asserted that I had dropped my dispute and agreed to the XX/XX/XXXX charge of {$990.00}. That was a categorically false statement - at no time did I ever accept that charge. They appear to have used my acceptance of the unrelated XX/XX/XXXX charges as an excuse to drop the dispute of the XX/XX/XXXX charge. In fact they have re-applied the {$990.00} charge to my bill, wiping out the prior credit. 

I have since called Citi numerous times to no avail. I have been told by a representative that they would investigate the issue and call me back 'in two or three days. ' Ten days later, no call. I have been told twice that a credit was in the process of being made. My XX/XX/XXXX bill has now arrived, with a {$990.00} charge but no credit - and no way dispute the charge due to how Citi categorized it. Citi simply refused to resolve this issue properly.
Product: Mortgage

Since XXXX, I have been on a COVID-19 forebearance through the Act. I was told that being on the plan as described on government and the loaner and websites that I would not face credit reporting or backlash for being on this plan up to 6 months. In XXXX the lender sold my mortgage to Flagstar bank. They call or send me letters every day Today they put a note on my front door to call them. Every time I call them, they tell me the same thing ( that I'm on a Covid forebearance, and that it is through XXXX, and I have to call in XXXX to extend it because I qualify ). They tell me I have 4 ways to handle things when the forebearance is done. They ask me ( every time ) why I suffered from Covid. This is all extremely harassing, down to a note to call them being placed on my front door today despite talking to them like 3 times in XXXX alone being told and asked the same things every time! When I was working with my former company, this did not occur. This is harassment and feels like it should go against the Covid mortgage forebearance Act.
Product: Debt collection

I am receiving mail from midland credit management saying that I owe {$3000.00} but they can not find a account with my social
Product: Debt collection

Pressler felt and other companies are trying to make me pay debt that doesn't belong to and I don't recognize. I tried many times to let these people know that that person wasn't me they keep harrasing me with documents of a similar name as mine.