23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I agreed to a debt consolidation with XX/XX/XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
Product: Student loan

I currently have loans with Mohela and was approved for Borrowers Defense to repayment. My loans finally XXXX out on XXXX own website as well as XXXX but has not fall off the my credit report. I would like all these student loans to fall off please and I would also like information regarding my refund which ive been paying the department of education, nobody seems to know anything about the refunds. I have been laying for loans for over XXXX years, i know I should get something in return.
Product: Debt collection

I notified NAVIENT and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to NAVIENT and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after NAVIENT was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX.  In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX NAVIENT and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and XXXX continued calling. XXXX XXXX XXXX made several calls to my cell phone in violation of the no contact request. The NAVIENT
Product: Mortgage

I currently have a modification that I've had for a long time.It went up XX/XX/XXXX to $ XXXXThe reason I had a modification in the 1st place was because of the financial hardships I been dealing with since retiring and also having to file bankruptcy I had a major life depending surgery, I had filed bankruptcy in XXXX and it helped but when XX/XX/XXXX arrived and chase gave me a new mortgage of {$880.00} previous mod was {$810.00}. I perceived that along with homeowners dues, hoa insurance, utilities, household bills etc and a XXXX XXXX XXXX car im trying to maintain, expensive medications etc., I felt that if I should get another modification it would help instead of extensions all the time borrowing to pay this bill and that bill. However I called Chase Friday XX/XX/XXXX. and was told by a XXXX XXXX in the relationship department that I didnt qualify for a modification which I wasnt notified about that.So I was given a repayment plan which is for people who havent paid they are late.I never been late on my modification and the repayment plan payment is higher than my current modification.I received paperwork pg.3 of 7 1st paragraph states the repayment plan is a program that allows you to pay back the unpaid amount which I never been late.The amount is {$950.00} more than the {$820.00} my current modification it is scheduled for me to pay XXXX.I dont understand how they came to this conclusion and why would I pay more than what im paying for my current modification.It makes me wonder if they are correct in raising the current modification to the {$880.00} XX/XX/XXXX which I payed XXXX XXXXHow did they come to this conclusion it doesnt make since and no one even spoke to me about it.Why would I want something higher than what I already have.Chase said they would call me today, so far no call.This repayment plan I need an explanation how this makes sense and if they could make a mistake like this.I was told I would pay the {$950.00} a year then go back to my current mortgage of XXXX XXXX.I want them to remove this repayment plan from my account and make it make sense why I dont qualify for another modification.This is a terrible mistake im not happy and will also report this to XXXX XXXX XXXXXXXX XXXX.One of the workers via the telephone said to me excitedly congratulations you been approved, I said what is the new amount she said {$950.00}, its just not acceptable and so far No one from chase has called.
Product: Debt collection

My name is XXXX : XXXX XXXX a federally protected consumer, and I am making this complaint against Aargon Collection Agency XXXX for committing identity theft. I have never given Aargon Collection Agency, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Aargon Collection Agency and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Aargon Collection Agency any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Aargon Collection Agency before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Aargon Collection Agency, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Aargon Collection Agency, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Aargon Collection Agency, continues its collection efforts, I will file for litigation for actual damages caused and Aargon Collection Agency, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Student loan

I have been making timely payments on my student loans ( can prove with screenshots of bank account debits from MOHELA ) but I am being hounded with " missed payment '' notifications. When I call MOHELA about this, I wait for hours only to be told that they actually *do* see the payments have been made but their " new system '' is misreporting those payments as missed. They claim this will be fixed before my credit score is affected, but I do not trust that as I was told by one agent that credit reporting begins in XXXX whereas one more recently told me credit reporting would not be until this fall. 

Timeline : XXXX '' Friendly Payment Reminder - One Due Date Has Been Missed '' Letter from MOHELA XXXXI call MOHELA and after an hour wait on the phone am told I should not receive further correspondence regarding missed payments going forward as the problem has been resolved. 

XXXX '' Account is Over 30 Days Past Due '' Letter from MOHELA XXXXI call MOHELA and am told the letters are due to a " new system '' but that the issue will be fixed before credit reporting begins in XXXX XXXX '' Friendly Payment Reminder - One Due Date Has Been Missed '' Letter from MOHELA XXXX '' Cascading Delinquency Letter - 30 Days '' Letter from MOHELA XXXXI call MOHELA and they claim that my payment isn't yet processed because it takes 37 days to process a payment. I am now told not to worry about credit reporting until XXXX, contradicting what I was told last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute through Transunion and that collection account was deleted from my report. Today, that account reappeared on my credit report without providing reinsertion notice which is mandatory according to the FCRA 15 U.S. Code 1681i. 

This is the account XXXX XXXX XXXX {$4700.00}
Product: Credit card

I called the company that was on my credit report, and was not able to see what account it was with, then they told me it was XXXX, I let them know it it not my account, and the Superior said she was going to take care of it because the information she had me verify was my personal information was incorrect. So she said she was going to take care of it In accordance with The Fair Credit Reporting Act CITICARDS CBNA has violated nay rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Consumer Loan

I replaced my XXXX lease of a XXXX XXXX with a XXXX XXXX XXXX. During the process of this transaction Hyundai has recorded that I was late for payments on the XXXX lease that I was not responsible for paying because I had traded the XXXX car in for a XXXX. It has impacted my credit score with XXXX and XXXX. I need Hyundai to correct the late payments on my credit bureau, I have never been late for any payments with Hyundai.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNT REPORTING THAT I HAVE NO CONNECTION TO. 
ACCOUNT NOT IN MY NAME NOR AM I A PARTY TO SAID ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the below email from Ditech My name is XXXX XXXX and your file has been placed in my care so that you receive the World Class service you deserve. 

You ARE eligible for a streamline rate reduction There is no need to pay that high rate any longer. 

We're reaching out to our good paying customers, to let you know that we can rewrite your mortgage w/o the hassle or costs of a typical refinance. You ARE eligible and I'd love to share with you how it can impact you financially. It will only takes a few minutes of your time to go over your savings. This program expires on XX/XX/2018! 

Here are the details of this opportunity. 

WE CAN SHORTEN YOUR TERM AND / OR LOWER YOUR PAYMENT NO OUT OF POCKET COSTS NO APPRAISAL REQUIRED NO INCOME REQUIREMENTS NO HOME VALUE REQUIREMENTS NO CREDIT SCORE REQUIREMENTS RENTAL AND 2ND HOMES ARE ELIGIBLE PAST BANKRUPTCIES AND FORECLOSURES OVERLOOKED 10yr, 15yr,20yr,25yr and 30yr FIXED RATE LOANS AVAILABLE Feel free to email any questions or a good time to speak with you. 

I can be reached directly at XXXX Have a great day!! 

When I replied. Please send me more information. They pulled my credit report ( and my wife 's ) without authorization.
Product: Student loan

I first enrolled in autopay on XX/XX/23 and got confirmation that I was enrolled. Then my XXXX payment did not go through and was reported as late. I made sure to enroll again and got yet another confirmation that autopay was active. My XXXX and XXXX payments were not automatically processed and both were late until I manually paid them and I enrolled and made sure autopay was active on my account. I finally called and they said that each time I enrolled in autopay it reset the clock and a 1-2 billing cycle had to pass before autopay was fully active. So now in order to get the 0.25 % interest rate cut, I have to wait a minimum until XXXX. 

No notification my payments needed to be manually processed, or that autopay would not occur for two billing cycles.
Product: Debt collection

I have a right to better myself and my only son also. I have been disputing this same company for years! They call themselfs LVNV FUNDING LLC. 

I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! 

Now LVNV FUNDING LLC THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.
Product: Credit card or prepaid card

Best Buy fraudulent purchases totalling {$6100.00}. These purchases were charged around XXXX 2021. I have called Best Buy a couple different times as soon as the bill arrived in the Usps mail. They assured me i did 't have to pay, ( thr fraud dept. ) but i am still getting letters, statements, and more recently, a XXXX express envelope from the bank ( suppposedly ) that issues the Best Buy credit card. I also put a fraud Alert on my credit report. I also, had a similiar fraud experience with Macy 's. I am in the process of handling this with their fraud dept. too, this also was identity theft and the imposter bounced from store to store across XXXX XXXX charging stuff.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of an incorrect address on my TransUnion credit report. The address listed as XXXX XXXX XXXX XXXX, XXXX, GA XXXX, is not mine, and I have never resided at or had any affiliation with this location. The inclusion of this inaccurate address is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S. Code 1681i ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. The presence of this incorrect address could potentially expose me to identity theft risks and other forms of financial harm. I request that TransUnion immediately investigate this matter and remove the incorrect address from my credit report. Please confirm that this erroneous information has been permanently deleted from my file. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I filed a complaint and police report with the XXXX XXXX XXXX   County Police Department regarding identity theft. I filed Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX in XX/XX/XXXX and XX/XX/XXXX. Im regularly contacted by odd telephone numbers requesting my personal identifying information. 

Please remove this collection item because its a result of identity theft and fraud. 

According to the alerts on my credit this company has added a new address to my credit report. Please remove the address that you included on my reports because it is also a result of fraud. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft.
Product: Debt collection

Rented a car from XXXX at XXXX XXXX XXXX, XXXX, VA from XX/XX/ -- XX/XX/. Returned the car to the local agent at XXXX XXXX  ( they close at XXXX XXXX ). Walk around inspection revealed no damage to the vehicle done during my rental. I was out processed and given my receipt. Since the location was closing in two minutes the local agent would have also needed to drive the vehicle downstairs to the garage immediately after I left. 

Two months after returned the car without damage or incident, I received a claim from Viking Billing Service ( VBS ) requesting {$1300.00} ( claim XXXX ) for damage done to the car. Luckily I had an upcoming rental with that same location ( I am a repeat customer with 50+ rentals from XXXX/XXXX ) in the last several years ) and was able to speak with the very agent who had handled the return of the car in question. I showed her the letter from Viking Billing Service ( VBS ). She looked it up on her computer and said she had no knowledge or record of damage. She went through a stack of papers and recovered the slip of paper showing pre-existing damage to the car. She told me to e-mail or fax that piece of paper to Viking Billing Service ( VBS ) to close the claim. She also mentioned that the car in question had gone to another location after I had returned it. 

Four calls ( sent straight to voicemail ) with detailed messages left requesting a callback with a e-mail/fax have gone unanswered. But the collection notices keep coming with escalating threats of debt collection. Every time I visit this XXXX/XXXX location they ask me whether I've been able to clear up this claim.
Product: Credit card or prepaid card

I opened an account with Citibank and received the card on XXXX XXXX, XXXX ; however, it had the incorrect last name. When I called to get it corrected the representatives asked me for my security word, which I gave them what I remembered. They said it was incorrect, when I asked them to provide other verification questions they kept asking me if I have another Citi account, which I do not. The ONLY account I've ever had was with my ex-husband. We've been divorced for six years and I have not used or had access to it since XXXX. They went on to try to verify me through text message ; however, they said they couldn't text me because they couldn't verify that my phone number XXXX is owned by me. I gave them the alternate mobile number that I use for work purposes ( also owned by me ) and they couldn't use that either. Then they requested a landline. I don't know anyone under the age of 65 that still has a landline phone number. 

Finally, they said they'll send me a letter in the mail in 5-7 days. I travel frequently for work and will likely not be home to receive the letter- to which the most recent rep suggested that I should have someone open my mail and read it to me such as a neighbor. I was also told I can not go into a physical Citibank branch with my IDs to rectify the error. 

It has been over three weeks since I was told Id receive a letter in the mail with a code to verify my identity and I have not received anything. I can verify this with the USPS daily emails of mail to be delivered. Furthermore, I have emailed the executive customer service e team every day with no resolution. I used the temp card and because I cant log into the system I have no way to pay the balance and the corporate office is of NO assistance.
Product: Debt collection

Letter dated XXXX XXXX from Rubin & Rothman , LLC stating {$2000.00} owed creditor : XXXX XXXX XXXX, account # XXXX, file # XXXX. 
Attempting to collect a debt. 
No knowledge of any such debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2024 Every other month, it goes to XXXX balance to a XXXX balance it did this XXXX times charged off at XXXX and then put back at XXXX back-and-forth like theyre playing with my credit score. The account was charged off incorrect balance. Keep going from XXXX to XXXX they keep reporting it back-and-forth
Product: Checking or savings account

I got an email notification from Bank of America that my application for a checking and savings account was approved. I attempted to call them and couldn't get through to anyone. I received the debit card in the mail and once again attempted to call. The first time, I was on hold for over 30 mins then got disconnected and the second time, sat on hold for close to an hour then got told I was getting transferred then got disconnected. I did not sign up for any accounts with Bank of America. I did not sign any service agreements or contracts and I didn't sign up for their online banking.
Product: Debt collection

I have received calls In the past regarding a balanced i owed the IRS that I did know how it happened. They said I used dependents on income tax around XXXX, and owed a balance of {$4000.00} I believe. I had no idea how this occurred but felt obligated for the debt that was not mine. In XXXX I was told by my tax worker that I was unable to file taxes due to my social security being in use by a other party, which I had no knowledge of. I was given forms to fill out and show proof that may social was in use but not by me. I now keep getting harassing phone calls everyday from a company called CBE group regarding the debt that I did not accumulate.