23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I tried to schedule a payment with Freedom Mortgage Company in the amount of XXXX the amount of my current mortgage payment. I TRIED to make the payment by XX/XX/XXXX payment options that were available each payment option told me I was not able to make the payment because I did not make the payment in full ( including late fees ) I was told by multiple supervisors that the late payments could be done at any time and was not required to be made at time of monthly payment. I feel discriminated against because I had financial difficulties in the past and I am now trying to get my finances in order however Freedom Mortgage Company 's payment system is basically designed to not allow you to make your current mortgage payment ... it makes you pay the entire amount in full when it States you can make your monthly mortgage payment free of charge however the system only allows you to take advantage of the free options ... if you don't have any past due balances ... this disclaimer is not stated on any documents. For people who get paid on the XX/XX/XXXX and it clearly states I have until the XX/XX/XXXX to make my payment they allow no free options like they do for regular customers this is very deceptive practices. There is no time to mail a payment so the only option there is ... make a payment over the phone with a representative ... so because I had financial difficulties in the past ... Im being punished with a XXXX fee each month because I have no other options available to me to make my mortgage payment free of charge. I can't help when an employer decides to pay its employees and I shouldn't be penalized either.
Product: Debt collection

I have contacted this company numerous times requesting back up documentation of a debt they are reporting on my credit which I have no knowledge of, all I am being told is the amount owed and that it has been verified as me, HOW? Where is my signature or back up documents? ... .this is a result of identity theft, I have also disputed with the credit bureaus and they have not gotten anywhere as well. I am asking for this company to provide valid VERIFIABLE proof with my signature to confirm this debt, if they continue to not do so I am requesting to have them remove this debt from my credit that they have been falsely reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian and XXXX is not cooperating with me with removing this late payment from my credit file. They have reported a 60-day late payment to my credit file without authorization and did it while in Covid-19 state , which I contacted them each month prior to XXXX and they told me that they would work with me to keep my account in good standing and they was not going to report my account in a negative late payment status during the time I had XXXX over the last couple of months. I am very upset because I have disputed this account to have the late payment removed, XXXX and XXXX had it removed but it still remains on my Experian credit file and it is negatively affecting my XXXX XXXX rating and is keeping me from getting back on my feet since after XXXX. I am pleading and asking that you all remove this late payment before I take this matter to the courts and file a lawsuit for not accurately reporting the correct information on my credit file.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX XXXX XXXX XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Immediate Removal of Late Payments from Credit Report The banking system relies heavily on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, while unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the system. Consumer reporting agencies play a vital role in gathering and evaluating consumer credit and other information. It is imperative to ensure that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumers rights to privacy. 

15 U.S. Code 1666b - Timing of Payments A creditor may not classify a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I have the right to privacy. This is further supported by the Privacy Act of 1974, as outlined in 5 U.S. Code 552 regarding public information and agency rules, opinions, orders, records, and proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed XXXX {$82.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX : {$82.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : UPGRADE XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Volkswagen credit is reporting inaccurate information in my consumer report. There are multiple inaccuracies, discrepancies, inaccurate information, incomplete, untrue, unverified and incorrect information on my consumer report. Volkswagen has been very challenging to work with upon my requests and very misleading in the information they provide to consumers regarding disputes. 
The disputes I am requesting investigation into are the following under my consumer rights in accordance to FCRA and under 15 usc 1681, which stated factual information and the most accurate information must be reported. 
1 : inaccurate repossession status on consumer report. This furnisher is reporting an incorrect/ inaccurate repossession & reinstated loan status on this account. This load was completely paid in full and the account was closed in XX/XX/XXXX. Up until this date XX/XX/XXXX this furnisher has continued to actively report on a monthly Basis the same inaccurate information. This furnisher has failed to update the account status to closed and paid as agreed for the last 7+ years. This needs to change and be updated to closed and paid as agreed. 
This creditor unlawfully repossessed the vehicle in XX/XX/XXXX. After a payment plan was agreed to by the billing department, the creditor later admitted it was a mistake on their behalf and reinstated the loan, however is was also inaccurate as the car shouldve never been repossessed so therefore should had a reinstated status, They never changed the status as it remained as repossessed and reinstated. This status needs to change to closed and paid as agreed. This violates my consumer rights under 15 usc 1681 which states transactions history by the consumer are not to be reported. 
2 : late payments discrepancies across all these credit reporting agencies. Volkswagen continues to report inaccurate and unverified text payments in my consumer report. They report multiple late payments across all agencies, all with different dates, length and months. This information needs to change and these late payments need to be removed and updated as paid as agreed never late. I request method and mode of verification of such information for each and every credit reporting agency that has been issued this information to. 
Lastly : I will attach the letters with the information I am disputing and the documentation Ive been keeping in my attempt to Work with this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 )   bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I provided Planet Home Lending , LLC with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, Planet Home Lending , LLC reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with Planet Home Lending , LLC on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. Planet Home Lending , LLC stated that they reported to the 3 credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by Planet HomeLending, LLC that I needed to dispute this with all 3 credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and Planet Home Lending , LLC reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows Planet Home Lending with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with Planet Home Lending , LLC in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.
Product: Debt collection

Some facts : - We were charged a full month 's rent ( {$1800.00} ) on XX/XX/ - However, we should only be charged a pro-rated 19 out of 30 days because we gave notice to move out on XX/XX/XXXX. The pro-rated amount for XX/XX/ rent is {$1100.00}. We asked the debt collector to please adjust the bill/ledger to this amount on XX/XX/ ( from {$1800.00} ) with no acknowledgement or response. 
- In addition, we are disputing the cleaning charges for the unit & carpet cleaning. Specifically, we are asking for receipts for the cleaning charges as we do not believe these are valid. 

We have provided multiple pieces of signed, written proof of our intent to move out on XX/XX/ and asked the debt collectors to adjust the ledger and charged rent accordingly. The debt collector has not acknowledged or adjusted any debts. 

The debt collectors have also not provided any evidence for cleaning charges even though we asked them on XX/XX/XXXX.
Product: Debt collection

I currently have a open complaint against XXXX XXXX XXXX XXXX ( complaint # XXXX ) as you can see that company never responded. They did not meet the 30 day request for verification of the debt twice. They have since sold the debt to Complete credit solutions, which immediately put a collection on my credit for this same debt. Complete credit solutions also never contacted me by Mail, email or phone. This collection is no good, and this is illegal what both companies have done.
Product: Student loan

This problem involves Navient and the issue of reapplying for my income-driven repayment plan. 

Navient divides my Federal student loans into two buckets : those owned by the US Dept of Education, and those owned by Navient. But I am only supposed to have to complete one reapplication for my IDR repayment plan each year. 

This year, I completed my application in XX/XX/XXXX, many months before either set of loans was scheduled to come out of IDR. My  application was approved. However, Navient only processed it for my US Dept of Education loans, not my loans owned by Navient. As a consequence, inXX/XX/XXXX, I was given notice that I was no longer in the IDR and that my payment was about to increase by a very large amount ( the amount of the standard repayment plan ). Coming out of the IDR also resulted in them capitalizing my accrued interest, which amounted to about {$10000.00}. 

I was able to call Navient and explain that they failed to process my IDR application, and they corrected that error and put me back in the IDR. HOWEVER, they did NOT remove the {$10000.00} in capitalized interest. 
To summarize, Navient failed to process my IDR application correctly, charged me what amounts to a penalty of {$10000.00} because of their mistake, and then failed to remove that penalty when they realized and corrected their mistake. 

I have asked them to correct this, and they might, but it alarms me that it was only because I was closely monitoring my online account that I was able to see that they capitalized my interest. I am worried about who else they may have done this to and am worried that others might not even be aware that they have been improperly penalized.
Product: Debt collection

COMPLAINT account # XXXX This is getting ridiculous, i just found another collection agency on my report that never sent a validation letter to me. Why are these agencies allowed to get away with this fraud! unbelievable. I HAVE HAD ENOUGH, IF CREDIT SOLUTIONS LLC DOES NOT REMOVE THEIR TRADENAME OFF MY CREDIT FILE I WILL TAKE LEGAL ACTION FOR DEFAMATION, PERIOD. IF CREDIT SOLUTIONS SEND A VALIDATION LETTER AFTER RECEIVING THIS COMPLAINT WILL RESULT IN A CAUSE OF ACTION UNDER THE STRICT LIABILITY STATUTE FDCPA FOR FALSE AND MISLEADING REPRESENTATION. 

Now comes, XXXX, in consumer capacity filing a complaint against debt collection agency Credit Solutions LLC, an Kentucky agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Credit Solutions LLC tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; Credit Solutions LLC placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Credit Solutions LLC and XXXX ; I have never received any validation letter from Credit Solutions LLC prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC 1321.591, and XXXX Case No. XXXX ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; Frey XXXX, 970 F.2d 1516, ( 6th Cir.XX/XX/XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with UCC 2-201 Statutes of Frauds ; ORC 1335.05 Ohio Statutes of Frauds ; XXXX v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; If I am denied credit do to the fact of Credit Solutions LLC actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;
Product: Payday loan, title loan, or personal loan

I received a loan from this company XXXX weeks ago and have since been trying to call them for the last 6 days about revoking their right to ach debit my checking account. The phone just goes to music and I sit there forever and noone ever answers or the phone disconnects. Its happened 10 to 15 times. I have also sent an email ... ... No answer as of yet. I was told this company was operating illegally in Tennessee. I want this company to contact me immediately. Thank u.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX 2022 XXXX XXXXXXXX/ XXXX 2022 XXXX XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX XXXX 2022 This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account numbers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my right 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency to not furnish account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

One main financial pushed and said if I dont get the add ons I wont be eligible for the loan.
Product: Debt collection

Missed XXXX payment and company had called from XXXX  XXXX, KS phone number and when I dont answer that they call with no caller id. I have answered the phone but person sounded foreign and didnt sound like from company due to not introducing self and what company from. Between XXXX EST on Saturday XX/XX/XXXX and Sunday XX/XX/XXXX. @ XXXX EST, they have have called 8 times and they will not leave a message any time they call.
Product: Credit reporting or other personal consumer reports

I found out on XX/XX/year> that a fraudulent XXXX XXXX credit card had been opened in my name. XXXX XXXX  cancelled the account, said they would report it as fraud, and advised me to contact Experian to ensure the fraudulent account was removed from my credit report. I called Experian multiple times. Each time I encountered their automated system and each time I tried using a different key word to get the help I needed. There was no automated option for what I need and I was unable to speak with a human. The automated system either dead-ends at the wrong automated option for me, or tells me to go to the website with no further information, and hangs up. When I said customer service specialist, the automated system said it was unable to connect me with a customer service specialist and hung up. 

There really needs to be a way to speak with a human being but with Experian I find that impossible. And their website is focused more on selling you a paid subscription than anything else. Its difficult to find simple free services such as credit freezes and fraud alerts. Its a truly terrible phone and online system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX XXXX XXXX collection that was removed in XXXX of XXXX as it hit the 7 year limit. There was also a duplicate collection, XXXX, who purchased the XXXX debt in XXXX. I was able to prove these were duplicate collections and had the transworld collection also removed when the XXXX collection dropped. Recently XXXX reported this collection again and I again asked this to be removed as it is a duplicate re-aged account. I understand this is an illegal act as you can not have a collection on your account more than 7 years. The credit reporting agencies wont remove it now but it should not be on my credit past XXXX they noted it was due to covid but this is not the case. at this point this item has been on my credit for more than 7 years now. I'd like XXXX removed from the XXXX credit reporting agencies as its a duplicated re-aged collection.
Product: Credit card

I filed a dispute of {$100.00} with Capital One, they are not resolving the dispute and I did provide them the documentation, even after providing them the documentation they are not ready to give me a credit of {$100.00} and make it permanent. 

they reversed the credit of {$100.00} they gave to me.